449 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 449 Cota Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,580 sqft · built 2016
Lot Size	0.201 acres (8,744 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,242,500 (Mar 2024)
Tax Bill	$15,158 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`159-093-33-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-33-00`

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	8,744 sqft (0.201 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	449 COTA LN
City	VISTA
State	CA
Zip	92083-1995
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 101 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	101
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, as of July 21, 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	449 COTA LN, VISTA, CA 92083-1995
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Mar 28, 2024	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage E & S FINANCIAL GROUP INC
Aug 21, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Apr 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 15, 2020	Grant Deed, Transfer · VA Mortgage E & S FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202477281
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	449 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000072938
Date	Mar 17, 2026
Instrument	2026-0072938

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2024
Property Address	449 COTA LN, VISTA, CA 92083-1995
Document Number	0000077281
Map Reference	MAP 15941
Instrument Date	Mar 12, 2024
Instrument	2024-0077281
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Relationship	Joint Tenants
Address	449 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000077282
Date	Mar 28, 2024
Instrument	2024-0077282

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	449 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000600465
Date	Aug 24, 2021
Instrument	2021-0600465

Lender

Name	E & S FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	VENTURA, CA 93003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	449 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000380525
Date	Aug 21, 2017
Instrument	2017-0380525

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	449 COTA LN, VISTA, CA 92083-1995
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167335
Date	Apr 13, 2017
Instrument	2017-0167335

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2020
Property Address	449 COTA LN, VISTA, CA 92083-1995
Document Number	0000628031
Map Reference	DOC 2013 0578449
Instrument Date	Oct 12, 2020
Instrument	2020-0628031
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transaction

Amount	Amount Recorded
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	449 COTA LN, VISTA, CA 92083-1995

Mortgage

Document Number	0000628032
Date	Oct 15, 2020
Instrument	2020-0628032

Lender

Name	E & S FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,292,697 (+2%) Land $832,320 Building $460,377
2025	$15,158.00 (+50.38%)	$1,267,350 (+50.76%) Land $816,000 Building $451,350
2024	$10,080.00 (+2.27%)
2023	$9,856.00 (+0.24%) Homeowner's exemption	$840,642 Land $205,641 Building $635,001
2022	$9,832.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 Risk	Low lower than 99.1% of the US · lower than 99.2% 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 662 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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