433 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 433 Cota Ln, Vista, CA 92083 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,580 sqft · built 2016
Lot Size	0.175 acres (7,614 sqft)
Owner	2 Individual Names on File
Last Sale	$866,500 (Jul 2016)
Tax Bill	$12,119 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`159-093-29-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-29-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,580 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	7,614 sqft (0.175 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	433 COTA LN
City	VISTA
State	CA
Zip	92083-1995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 97 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	97
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

Source: San Diego County records · APN 159-093-29-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	433 COTA LN, VISTA, CA 92083-1995
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESMAC INC
Dec 23, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Deed Document Number	2016384419
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	433 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Nov 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000411144
Date	Oct 25, 2022
Instrument	2022-0411144

Lender

Name	NAVY FCU
Type	Credit Union
Address	MERRIFIELD, VA 22119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	477 Months
Due	Jul 01, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	433 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	PROVIDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000155139
Date	Feb 26, 2021
Instrument	2021-0155139

Lender

Name	RESMAC INC
Type	Non-Lending Institution
Address	DELRAY BEACH, FL 33483

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	433 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000829402
Date	Dec 23, 2020
Instrument	2020-0829402

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	469 Months
Due	Jan 01, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	433 COTA LN, VISTA, CA 92083-1995
Document Number	0000108453
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 16, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	433 COTA LN VISTA CA 920831995, VISTA, CA 92083-1995

Mortgage

Document Number	0000108453
Date	Mar 09, 2017
Instrument	108453

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 08, 2032

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$1,025,419 (+2%) Land $349,217 Building $676,202
2025	$12,119.00 (+8.06%) Homeowner's exemption	$1,005,314 (+4.04%) Land $342,370 Building $662,944
2023	$11,215.00 (+0.24%) Homeowner's exemption	$966,278 Land $329,076 Building $637,202
2022	$11,188.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730193033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 189 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: San Diego Broadband, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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