446 Florencia Ln, Vista, CA 92083 Property Records

San Diego County property record for 446 Florencia Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,150 sqft · built 1992
Lot Size	0.58 acres (2,523 sqft)
Owner	Individual Name on Record
Last Sale	$422,500 (Feb 2020)
Tax Bill	$5,994 (2025)
Deeds & Mortgages	Feb 2020 Transfer Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`163-281-51-00`

Property Details

APN / Parcel Number

Primary APN	`163-281-51-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,150 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	2,523 sqft (0.58 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	446 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 51 TR 012767
Legal Subdivision	VISTA 89-196
Legal Tract	012767
Legal Block	3
Legal Lot Number	51
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	446 FLORENCIA LN, VISTA, CA 92083-4810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2020	Quit Claim Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO
Feb 26, 2020	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	202098159
Prior Transfer Date	Feb 25, 2020
Prior Transfer Doc	0000098158
Record Updated	Oct 29, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2020
Property Address	446 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000098158
Instrument Date	Feb 25, 2020
Instrument	98158
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	446 FLORENCIA LN VISTA CA 920834810, VISTA, CA 92083-4810

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2020
Property Address	446 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000098159
Map Reference	MAP 12767
Instrument Date	Feb 19, 2020
Instrument	2020-0098159
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

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	446 FLORENCIA LN, VISTA, CA 92083-4810

Mortgage

Document Number	0000098160
Date	Feb 26, 2020
Instrument	2020-0098160

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	446 FLORENCIA LN, VISTA, CA 92083-4810
Document Number	0000497397
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	446 VIA FLORENCIA LN VISTA CA 92083, VISTA, CA 92083

Mortgage

Document Number	0000497397
Date	Oct 31, 2019
Instrument	497397

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

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		$471,299 (+2%) Land $272,972 Building $198,327
2025	$5,994.00 (+7.52%)	$462,059 (+4.04%) Land $267,620 Building $194,439
2023	$5,575.00 (+0.22%)	$444,119 Land $257,229 Building $186,890
2022	$5,563.00

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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Kwikbit, Spectrum.

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