417 Garey Dr, Vista, CA 92084 Property Records

San Diego County property record for 417 Garey Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,351 sqft · built 1971
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Oct 2023)
Tax Bill	$9,616 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`173-450-40-00`

Property Details

APN / Parcel Number

Primary APN	`173-450-40-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,351 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	8,400 sqft (0.193 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	417 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 40 TR 006575
Legal Subdivision	VISTA DEL NORTH
Legal Tract	006575
Legal Block	2
Legal Lot Number	40
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 October 20, 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	180 CANYON DR, 68, OCEANSIDE, CA 92054-3575
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
May 17, 2021	Intrafamily Transfer, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	May 17, 2021
Deed Document Number	2023279441
Prior Transfer Date	May 10, 2021
Prior Transfer Doc	0000376495
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2023
Property Address	417 GAREY DR, VISTA, CA 92084-3107
Document Number	0000279441
Map Reference	MAP 6575
Instrument Date	Sep 28, 2023
Instrument	2023-0279441
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	TITLE FLORIDA INC, TITLE FORWARD OF CA INC

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	180 CANYON DR APT 68, 68, OCEANSIDE, CA 92054-3575

Mortgage

Document Number	0000279442
Date	Oct 13, 2023
Instrument	2023-0279442

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 17, 2021
Property Address	417 GAREY DR, VISTA, CA 92084-3107
Document Number	0000376495
Map Reference	MAP 6575
Instrument Date	May 10, 2021
Instrument	2021-0376495
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	WESTERN RESOURCES TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	417 GAREY DR, VISTA, CA 92084-3107

Mortgage

Document Number	0000376496
Date	May 17, 2021
Instrument	2021-0376496

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	417 GAREY DR, VISTA, CA 92084-3107
Document Number	0000477232
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 GAREY DR VISTA CA 920843107, VISTA, CA 92084-3107

Mortgage

Document Number	0000477232
Date	Oct 16, 2017
Instrument	477232

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2027

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		$795,906 (+2%) Land $624,240 Building $171,666
2025	$9,616.00 (+74.11%)	$780,300 (+75.84%) Land $612,000 Building $168,300
2023	$5,523.00 (+0.25%) Homeowner's exemption	$443,746 Land $247,673 Building $196,073
2022	$5,509.00

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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