3650 Emma Rd, Vista, CA 92084 Property Records

San Diego County property record for 3650 Emma Rd, Vista, CA 92084 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,686 sqft · built 2013
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$913,000 (Jun 2021)
Tax Bill	$7,362 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181-071-51-00`

Property Details

APN / Parcel Number

Primary APN	`181-071-51-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,686 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	66,647 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3650 EMMA RD
City	VISTA
State	CA
Zip	92084-6621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR 2 TR PM19826
Legal Subdivision	PARCEL MAP NO 19826
Legal Tract	1019826
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 · APN 181-071-51-00

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	3650 EMMA RD, VISTA, CA 92084-6621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 07, 2021	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jun 07, 2021	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO SD
Jun 07, 2021	Grant Deed, Transfer · Conventional Mortgage CALCULATED RISK ANALYTICS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 07, 2021 · Amount on Record
Deed Sale	Jun 07, 2021 · Amount on Record
Deed Document Number	2021420753
Prior Transfer Date	Jun 02, 2021
Prior Transfer Doc	0000420750
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3650 EMMA RD, VISTA, CA 92084-6621
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3650 EMMA RD, VISTA, CA 92084-6621

Mortgage

Document Number	0000065657
Date	Feb 11, 2022
Instrument	2022-0065657

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

June 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 07, 2021
Property Address	3650 EMMA RD, VISTA, CA 92084-6621
Document Number	0000420750
Instrument Date	Jun 02, 2021
Instrument	2021-0420750
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 07, 2021
Property Address	3650 EMMA RD, VISTA, CA 92084-6621
Document Number	0000420751
Instrument Date	Jun 02, 2021
Instrument	2021-0420751
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 07, 2021
Property Address	3650 EMMA RD, VISTA, CA 92084-6621
Document Number	0000420753
Instrument Date	May 14, 2021
Instrument	2021-0420753
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Joint Tenants
Address	3650 EMMA RD, VISTA, CA 92084-6621

Mortgage

Document Number	0000420754
Date	Jun 07, 2021
Instrument	2021-0420754

Lender

Name	CALCULATED RISK ANALYTICS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$667,504 (+2%) Land $98,789 Building $568,715
2025	$7,362.00 (+8.7%) Homeowner's exemption	$654,416 (+4.04%) Land $96,852 Building $557,564
2023	$6,773.00 (-8.18%) Homeowner's exemption	$629,006 Land $93,092 Building $535,914
2022	$7,376.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730192081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 193 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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