San Diego County property record for 3850 Emma Rd, Vista, CA 92084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,084 sqft · built 2003 |
| Lot Size | 1.18 acres (51,836 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Oct 2020) |
| Tax Bill | $6,507 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 181-310-13-00 |
| Primary APN | 181-310-13-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,084 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 51,836 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 3850 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 13 TR 013999 |
| Legal Subdivision | SAN DIEGO #5111-1 |
| Legal Tract | 013999 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| 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 181-310-13-00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3850 EMMA RD, VISTA, CA 92084-6664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Line of Credit STAR ONE CU |
| Oct 23, 2020 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on Record |
| Deed Sale | Oct 23, 2020 · Amount on Record |
| Prior Sale | Jan 12, 2007 · Amount on Record |
| Deed Document Number | 2020652627 |
| Prior Transfer Date | Jan 15, 2013 |
| Prior Transfer Doc | 0000060842 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3850 EMMA RD, VISTA, CA 92084-6664 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3850 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000028194 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2022-0028194 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Mar 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 23, 2020 |
| Property Address | 3850 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000652627 |
| Map Reference | MAP 13999 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 2020-0652627 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3850 EMMA RD, VISTA, CA 92084-6664 |
| Document Number | 0000652628 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020-0652628 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $534,894 (+2%) Land $231,074 Building $303,820 | |
| 2025 | $6,507.00 (+7.82%) Homeowner's exemption | $524,407 (+4.04%) Land $226,544 Building $297,863 |
| 2023 | $6,035.00 (+0.25%) Homeowner's exemption | $504,046 Land $217,748 Building $286,298 |
| 2022 | $6,020.00 |
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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