405 Garey Dr, Vista, CA 92084 Property Records

San Diego County property record for 405 Garey Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,351 sqft · built 1971
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Jun 2022)
Tax Bill	$9,567 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`173-450-42-00`

Property Details

APN / Parcel Number

Primary APN	`173-450-42-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,351 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	9,100 sqft (0.209 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	405 GAREY DR
City	VISTA
State	CA
Zip	92084-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 42 TR 006575
Legal Subdivision	VISTA DEL NORTH
Legal Tract	006575
Legal Block	2
Legal Lot Number	42
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	19205

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	405 GAREY DR, VISTA, CA 92084-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Grant Deed, Transfer · Conventional Mortgage MCJAB INC
Apr 1, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Jul 5, 2019	Grant Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Prior Sale	Jul 5, 2019 · Amount on Record
Deed Document Number	2022252527
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2022
Property Address	405 GAREY DR, VISTA, CA 92084-3107
Document Number	0000252527
Map Reference	MAP 6575
Instrument Date	May 28, 2022
Instrument	2022-0252527
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Community Property with Right of Survivorship
Address	405 GAREY DR, VISTA, CA 92084-3107

Mortgage

Document Number	0000252528
Date	Jun 16, 2022
Instrument	2022-0252528

Lender

Name	MCJAB INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	405 GAREY DR, VISTA, CA 92084-3107
Document Number	0000177126
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 GAREY DR VISTA CA 92084, VISTA, CA 92084

Mortgage

Document Number	0000177126
Date	Apr 7, 2020
Instrument	177126

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 5, 2019
Property Address	405 GAREY DR, VISTA, CA 92084-3107
Document Number	0000267357
Map Reference	MAP 6575
Instrument Date	Jun 4, 2019
Instrument	2019-0267357
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	405 GAREY DR, VISTA, CA 92084-3107

Mortgage

Document Number	0000267358
Date	Jul 5, 2019
Instrument	2019-0267358

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$838,874 (+7.14%) Land $393,344 Building $445,530
2025	$9,567.00 (+11.43%) Homeowner's exemption	$783,000 (+7.7%) Land $366,000 Building $417,000
2023	$8,586.00 (+31.57%) Homeowner's exemption	$727,000 Land $340,000 Building $387,000
2022	$6,526.00

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
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, San Diego Broadband, T-Mobile.

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