San Diego County property record for 3828 Emma Rd, Vista, CA 92084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,620 sqft · built 2003 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Company Name on File |
| Last Sale | $850,000 (Nov 2013) |
| Tax Bill | $12,349 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 181-310-12-00 |
| Primary APN | 181-310-12-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,620 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 38,333 sqft (0.88 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 3828 EMMA RD |
|---|---|
| City | VISTA |
| State | CA |
| Zip | 92084-6664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 12 TR 013999 |
| Legal Subdivision | SAN DIEGO 5111-1 |
| Legal Tract | 013999 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 19208 |
Source: San Diego County records · APN 181-310-12-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jan 09, 2023 | Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA |
| Nov 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Aug 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2013 · Amount on Record |
| Deed Sale | Nov 01, 2013 · Amount on Record |
| Prior Sale | Dec 18, 2003 · Amount on Record |
| Deed Document Number | 2013656546 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000005146 |
|---|---|
| Date | Jan 09, 2023 |
| Instrument | 2023-0005146 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 468 Months |
| Due | Jan 15, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000501010 |
|---|---|
| Date | Nov 01, 2019 |
| Instrument | 2019-0501010 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000357455 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 2021-0357455 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|---|
| Address | 3828 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000549561 |
|---|---|
| Date | Aug 02, 2021 |
| Instrument | 2021-0549561 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 01, 2051 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Vista Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,062,809 (+2%) Land $394,754 Building $668,055 | |
| 2025 | $12,349.00 (+8.22%) Homeowner's exemption | $1,041,970 (+4.04%) Land $387,014 Building $654,956 |
| 2023 | $11,411.00 (+0.25%) Homeowner's exemption | $1,001,511 Land $371,987 Building $629,524 |
| 2022 | $11,383.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 61% of the US · lower than 63% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 34 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VISTA IRRIGATION DISTRICT serves 134,501 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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