406 Garey Dr, Vista, CA 92084 Property Records

San Diego County property record for 406 Garey Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,246 sqft · built 1971
Lot Size	0.243 acres (10,600 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2015)
Tax Bill	$6,149 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`173-450-28-00`

Property Details

APN / Parcel Number

Primary APN	`173-450-28-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,246 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	10,600 sqft (0.243 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	406 GAREY DR
City	VISTA
State	CA
Zip	92084-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 28 TR 006575
Legal Subdivision	VISTA DEL NORTH
Legal Tract	006575
Legal Block	2
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
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	Individual Name on Record
Mailing Address	1140 MALTA CT, SEASIDE, CA 93955-6204
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 27, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2015 · Amount on Record
Deed Sale	Oct 23, 2015 · Amount on Record
Prior Sale	Jan 3, 2014 · Amount on Record
Deed Document Number	2015556639
Prior Transfer Date	Dec 19, 2013
Prior Transfer Doc	0000003800
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	406 GAREY DR, VISTA, CA 92084-3106
Document Number	0000394423
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Sep 4, 2017
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GAREY DR VISTA CA 920843106, VISTA, CA 92084-3106

Mortgage

Document Number	0000394423
Date	Aug 29, 2017
Instrument	394423

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 28, 2032

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	406 GAREY DR, VISTA, CA 92084-3106
Document Number	0000147748
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GAREY DR VISTA CA 920843106, VISTA, CA 92084-3106

Mortgage

Document Number	0000147748
Date	Apr 3, 2017
Instrument	147748

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 2, 2037

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		$482,859 (+2%) Land $289,789 Building $193,070
2025	$6,149.00 (+7.5%)	$473,392 (+4.04%) Land $284,107 Building $189,285
2023	$5,720.00 (+0.21%)	$455,012 Land $273,076 Building $181,936
2022	$5,708.00

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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