424 Florencia Ln, Vista, CA 92083 Property Records

San Diego County property record for 424 Florencia Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,266 sqft · built 1992
Lot Size	0.73 acres (3,178 sqft)
Owner	Individual Name on Record
Last Sale	$409,000 (Oct 2018)
Tax Bill	$5,849 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`163-281-55-00`

Property Details

APN / Parcel Number

Primary APN	`163-281-55-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,266 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	3,178 sqft (0.73 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	424 FLORENCIA LN
City	VISTA
State	CA
Zip	92083-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 55 TR 012767
Legal Subdivision	VISTA 89-196
Legal Tract	012767
Legal Block	3
Legal Lot Number	55
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	19503

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	424 FLORENCIA LN, VISTA, CA 92083-4810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Quit Claim Deed, Transfer WATERMARK CAP
Oct 9, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 16, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2018419412
Last Transfer Date	Jul 16, 2020
Transfer Doc	0000396653
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 23, 2020
Property Address	424 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000396653
Instrument Date	Jul 16, 2020
Instrument	396653
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 FLORENCIA LN VISTA CA 920834810, VISTA, CA 92083-4810

Mortgage

Document Number	396654
Date	Jul 23, 2020
Instrument	396654

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 9, 2018
Property Address	424 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000419412
Map Reference	MAP 12767
Instrument Date	Sep 25, 2018
Instrument	2018-0419412
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

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
Address	424 FLORENCIA LN, VISTA, CA 92083-4810

Mortgage

Document Number	0000419413
Date	Oct 9, 2018
Instrument	2018-0419413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2017
Property Address	424 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000273223
Map Reference	MAP12767
Instrument Date	May 19, 2017
Instrument	2017-0273223
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY SD

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
Address	424 FLORENCIA LN, VISTA, CA 92083-4810

Mortgage

Document Number	0000273225
Date	Jun 16, 2017
Instrument	2017-0273225

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$465,366 (+2%) Land $213,467 Building $251,899
2025	$5,849.00 (+7.54%) Homeowner's exemption	$456,242 (+4.04%) Land $209,282 Building $246,960
2023	$5,439.00 (-1.15%)	$438,527 Land $201,156 Building $237,371
2022	$5,502.00

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	Not rated no burnable land within 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 584 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: Astound Broadband, T-Mobile.

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