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412 Osborne St, Vista, CA 92084 Property Records

San Diego County property record for 412 Osborne St, Vista, CA 92084

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 972 sqft · built 1953
Lot Size0.5 acres (21,780 sqft)
Owner2 Individual Names on Record
Last Sale$785,000 (Jul 2025)
Tax Bill$8,527 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Feb 2021 Mortgage
+ 7 more
Flood ZoneZone X (minimal risk)
APN171-011-13-00

Property Details

APN / Parcel Number

Primary APN171-011-13-00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area972 sqft Living Area

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Lot Area21,780 sqft (0.5 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address412 OSBORNE ST
CityVISTA
StateCA
Zip92084-1719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal DescriptionBLK 6 LOT 37 0.50 AC M/L IN TR 002187
Legal SubdivisionVISTA ACRES
Legal Tract002187
Legal Block6
Legal Lot Number37
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2013
Census Tract19303

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 Record2 Individual Names on Record
Mailing Address412 OSBORNE ST, VISTA, CA 92084-1719
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 3, 2022Grant Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jul 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jan 3, 2020Quit Claim Deed, Transfer · Conventional with PMI
LOANDEPOT.COM LLC
Sep 16, 2019Deed of Trust, Mortgage · Conventional with PMI
LOANDEPOT.COM LLC
Feb 5, 2019Quit Claim Deed, Transfer
CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Feb 5, 2019Quit Claim Deed, Transfer
CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Feb 5, 2019Grant Deed, Transfer · Conventional Mortgage
SOUTH PACIFIC FINANCIAL CORP
Apr 28, 2017Grant Deed, Transfer
CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 1, 2025 · Amount on Record
Deed SaleJul 1, 2025 · Amount on Record
Prior SaleMay 3, 2022 · Amount on Record
Deed Document Number2025174185
Prior Transfer DateSep 17, 2019
Prior Transfer Doc0000002801
Record UpdatedOct 29, 2026

May 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 3, 2022
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000191264
Map ReferenceMAP 2187
Instrument DateApr 18, 2022
Instrument2022-0191264
Transaction TypeTransfer
Record UpdatedMay 11, 2022
Title CompanyLAWYERS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address412 OSBORNE ST, VISTA, CA 92084-1719

Mortgage

Document Number0000191265
DateMay 3, 2022
Instrument2022-0191265
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4.17%
Type Change DateMay 1, 2029
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change9.17%
IndexOther
Max Rate9.17%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Transaction TypeMortgage
Record UpdatedMar 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 OSBORNE ST, VISTA, CA 92084-1719

Mortgage

Document Number0000132443
DateFeb 22, 2021
Instrument2021-0132443
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000390070
DateJul 21, 2020
Instrument2020-0390070
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJan 3, 2020
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000002801
Instrument DateSep 17, 2019
Instrument2801
Transaction TypeTransfer
Record UpdatedJan 21, 2020
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address412 OSBORNE ST VISTA CA 920841719, VISTA, CA 92084-1719

Mortgage

Document Number417626
DateJan 3, 2020
Instrument417626
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 2, 2050

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000417626
Instrument DateSep 16, 2019
Transaction TypeMortgage
Record UpdatedSep 30, 2019
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address412 OSBORNE ST VISTA CA 920841719, VISTA, CA 92084-1719

Mortgage

Document Number0000417626
DateSep 23, 2019
Instrument417626
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 22, 2049

February 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateFeb 5, 2019
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000041867
Instrument DateJan 15, 2019
Instrument41867
Transaction TypeTransfer
Record UpdatedFeb 11, 2019
Title CompanyCORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address2525 GREEN HILLS WAY VISTA CA 920842749, VISTA, CA 92084-2749

February 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateFeb 5, 2019
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000041868
Instrument DateJan 11, 2019
Instrument41868
Transaction TypeTransfer
Record UpdatedFeb 11, 2019
Title CompanyCORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address412 OSBORNE ST VISTA CA 920841719, VISTA, CA 92084-1719

February 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateFeb 5, 2019
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000041869
Map ReferenceMAP 2187
Instrument DateJan 10, 2019
Instrument2019-0041869
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyCORINTHIAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 OSBORNE ST, VISTA, CA 92084-1719

Mortgage

Document Number0000041870
DateFeb 5, 2019
Instrument2019-0041870
Lender
NameSOUTH PACIFIC FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2049

April 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateApr 28, 2017
Property Address412 OSBORNE ST, VISTA, CA 92084-1719
Document Number0000192012
Instrument DateMar 17, 2017
Instrument192012
Transaction TypeTransfer
Record UpdatedMay 4, 2017
Title CompanyCORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

AmountAmount Recorded
Tax$396.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2525 GREEN HILLS WAY VISTA CA 920842749, VISTA, CA 92084-2749

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictVista Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$785,000 (+3.46%) Land $650,000 Building $135,000
2025$8,527.00 (+18.38%) Homeowner's exemption$758,757 (+13.25%) Land $355,649 Building $403,108
2023$7,203.00 (+37.54%) Homeowner's exemption$670,000 Land $314,000 Building $356,000
2022$5,237.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

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 RiskLow
lower than 94% of the US · lower than 96% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemVISTA IRRIGATION DISTRICT
serves 134,501 people · EPA ID CA3710027
Water SourceSurface water
Last State InspectionNov 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 162 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
San Diego Broadband
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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