3596 Emma Ln, Vista, CA 92084 Property Records

San Diego County property record for 3596 Emma Ln, Vista, CA 92084

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 2 ba · 1,402 sqft · built 1935
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2018)
Tax Bill	$6,464 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181-071-04-00`

Property Details

APN / Parcel Number

Primary APN	`181-071-04-00`
Alternative APN	`1810707200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,402 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Multi-Family
Lot Area	47,916 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	1810707200
Street Address	3596 EMMA LN
City	VISTA
State	CA
Zip	92084-6633
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RR
Legal Description	SEC 27-11-3W NEQ DOC75-27437 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 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3596 EMMA LN, VISTA, CA 92084-6633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage RATE RABBIT HM LNS
Oct 21, 2019	Deed of Trust, Mortgage · Conventional with PMI RATE RABBIT HM LNS
Jul 6, 2018	Grant Deed, Transfer · Conventional Mortgage ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2018 · Amount on Record
Deed Sale	Jul 6, 2018 · Amount on Record
Prior Sale	Sep 11, 2012 · Amount on Record
Deed Document Number	2018276175
Prior Transfer Date	Aug 12, 2012
Prior Transfer Doc	0000545232
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3596 EMMA LN, VISTA, CA 92084-6633
Document Number	0000509368
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3596 EMMA LN VISTA CA 920846633, VISTA, CA 92084-6633

Mortgage

Document Number	0000509368
Date	Sep 2, 2020
Instrument	509368

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3596 EMMA LN, VISTA, CA 92084-6633
Document Number	0000489131
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3596 EMMA LN VISTA CA 920846633, VISTA, CA 92084-6633

Mortgage

Document Number	0000489131
Date	Oct 28, 2019
Instrument	489131

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2018
Property Address	3596 EMMA LN, VISTA, CA 92084-6633
Document Number	0000276175
Instrument Date	May 22, 2018
Instrument	276175
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	TICOR TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3596 EMMA LN VISTA CA 920846633, VISTA, CA 92084-6633

Mortgage

Document Number	276176
Date	Jul 6, 2018
Instrument	276176

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$580,285 (+2%) Land $322,382 Building $257,903
2025	$6,464.00 (+8.66%)	$568,908 (+4.04%) Land $316,061 Building $252,847
2023	$5,949.00 (+0.25%)	$546,819 Land $303,789 Building $243,030
2022	$5,934.00

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 59% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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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