3530 Emma Ln, Vista, CA 92084 Property Records

San Diego County property record for 3530 Emma Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,544 sqft · built 1971
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Last Sale	$665,000 (Oct 2020)
Tax Bill	$8,087 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181-071-20-00`

Property Details

APN / Parcel Number

Primary APN	`181-071-20-00`
Alternative APN	`1810705400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,544 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	25,265 sqft (0.58 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1810705400
Street Address	3530 EMMA LN
City	VISTA
State	CA
Zip	92084-6633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 27-11-3W NEQ DOC174180REC70 IN N H OF NWQ OF
Legal Range	03W
Legal Township	11
Legal Section	27
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1014
Census Tract	19208

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3530 EMMA LN, VISTA, CA 92084-6633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 8, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 27, 2020	Grant Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Prior Sale	Jul 16, 1999 · Amount on Record
Deed Document Number	2020662092
Prior Transfer Date	Mar 27, 2015
Prior Transfer Doc	0000145181
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3530 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000258353
Date	Sep 17, 2025
Instrument	2025-0258353

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3530 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Apr 6, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2980, SILVERDALE, WA 98383-2980

Mortgage

Document Number	0000079563
Date	Mar 29, 2023
Instrument	2023-0079563

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 21, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3530 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000059845
Date	Feb 8, 2022
Instrument	2022-0059845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2020
Property Address	3530 EMMA LN, VISTA, CA 92084-6633
Document Number	0000662092
Instrument Date	Oct 1, 2020
Instrument	2020-0662092
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000662093
Date	Oct 27, 2020
Instrument	2020-0662093

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$734,208 (+2%) Land $266,812 Building $467,396
2025	$8,087.00 (+8.71%) Homeowner's exemption	$719,813 (+4.04%) Land $261,581 Building $458,232
2023	$7,439.00 (+0.27%) Homeowner's exemption	$691,864 Land $251,424 Building $440,440
2022	$7,419.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1998–1999)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1999 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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