3698 Camino de Las Lomas, Vista, CA 92084 Property Records

San Diego County property record for 3698 Camino de Las Lomas, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,700 sqft · built 1995
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Trust Names on File
Last Sale	$1,900,000 (Jul 2025)
Tax Bill	$12,999 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`178-210-70-00`

Property Details

APN / Parcel Number

Primary APN	`178-210-70-00`
Alternative APN	`1782106700`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,700 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	65,340 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1782106700
Street Address	3698 CAMINO DE LAS LOMAS
City	VISTA
State	CA
Zip	92084-6639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 PAR B PER DOC05-1080782 IN SWQ OF SEQ OF SEC 22-11-3W&IN TR PM01573
Legal Subdivision	GROSS AREA 1 5A ACRES
Legal Tract	1001573
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1014
Census Tract	19208

Owner

3698 Camino de Las Lomas is held in a trust since July 2025.

Source: San Diego County records, as of August 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	8457 LOWER SCARBOROUGH CT, SAN DIEGO, CA 92127-6119
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit STANFORD FEDERAL CREDIT UNION
Aug 25, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage ALL REVERSE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2025 · Amount on File
Deed Sale	Jul 16, 2025 · Amount on File
Prior Sale	Aug 22, 2014 · Amount on File
Deed Document Number	2025192409
Prior Transfer Date	Jan 27, 2015
Prior Transfer Doc	0000342787
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2026
Property Address	3698 CAMINO DE LAS LOMAS, VISTA, CA 92084-6639
Document Number	0000219395
Instrument Date	Jul 23, 2026
Instrument	2026219395
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	3698 CAMINO DE LAS LOMAS, VISTA, CA 92084-6639

Mortgage

Document Number	0000219395,
Date	Jul 30, 2026
Instrument	2026219395

Lender

Name	STANFORD FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 25, 2022
Property Address	3698 CAMINO DE LAS LOMAS, VISTA, CA 92084-6639
Document Number	0000342787
Instrument Date	Jul 27, 2022
Instrument	2022-0342787
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

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
Address	3698 CAMINO DE LAS LOMAS, VISTA, CA 92084-6639

Mortgage

Document Number	0000342788
Date	Aug 25, 2022
Instrument	2022-0342788

Lender

Name	ALL REVERSE MORTGAGE INC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.82%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 3698 Camino de Las Lomas was $12,999, up 6.1% from the year before.

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		$1,900,000 (+64.68%) Land $1,100,000 Building $800,000
2025	$12,999.00 (+6.05%) Homeowner's exemption	$1,153,765 Land $540,827 Building $612,938
2024	$12,257.00 (+2.47%)
2023	$11,961.00 (+0.26%) Homeowner's exemption	$1,108,965 Land $519,827 Building $589,138
2022	$11,930.00

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

Flood

FEMA maps place 3698 Camino de Las Lomas in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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

Wildfire risk around 3698 Camino de Las Lomas is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	50 / 10

May also be available: Verizon.

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