454 Garey Dr, Vista, CA 92084 Property Records

San Diego County property record for 454 Garey Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,351 sqft · built 1971
Lot Size	0.266 acres (11,600 sqft)
Owner	2 Company Names on File
Last Sale	$445,000 (Mar 2017)
Tax Bill	$6,557 (2025)
Deeds & Mortgages	Dec 2025 Transfer Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`173-450-25-00`

Property Details

APN / Parcel Number

Primary APN	`173-450-25-00`

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
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,600 sqft (0.266 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	454 GAREY DR
City	VISTA
State	CA
Zip	92084-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 25 TR 006575
Legal Subdivision	VISTA DEL NORTH
Legal Tract	006575
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19205

Owner

Source: San Diego County assessment roll, 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 Company Names on File
Mailing Address	454 GAREY DR, VISTA, CA 92084-3106
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Intrafamily Transfer, Transfer
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Mar 3, 2017	Grant Deed, Transfer · Conventional with PMI PACIFIC LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	Mar 6, 2008 · Amount on Record
Deed Document Number	2017102126
Last Transfer Date	Jul 9, 2024
Transfer Doc	0000184450
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 31, 2025
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Document Number	0000368255
Map Reference	MAP 6575
Instrument Date	Dec 30, 2025
Instrument	2025-0368255
Transaction Type	Transfer
Record Updated	Jan 9, 2026

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
Address	454 GAREY DR, VISTA, CA 92084-3106

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 GAREY DR, VISTA, CA 92084-3106

Mortgage

Document Number	0000630843
Date	Sep 7, 2021
Instrument	2021-0630843

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000553173
Date	Nov 29, 2017
Instrument	2017-0553173

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000521716
Date	Nov 12, 2019
Instrument	2019-0521716

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000343838
Date	Jun 30, 2020
Instrument	2020-0343838

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2017
Property Address	454 GAREY DR, VISTA, CA 92084-3106
Document Number	0000102126
Instrument Date	Jan 27, 2017
Instrument	102126
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$489.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 GAREY DR VISTA CA 920843106, VISTA, CA 92084-3106

Mortgage

Document Number	102127
Date	Mar 3, 2017
Instrument	102127

Lender

Name	PACIFIC LNDG
Address	IRVINE, CA 92606

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

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		$526,781 (+2%) Land $303,914 Building $222,867
2025	$6,557.00 (+6.31%)	$516,453 (+4.04%) Land $297,955 Building $218,498
2023	$6,168.00 (+0.23%)	$496,400 Land $286,386 Building $210,014
2022	$6,154.00

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

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: California Internet, San Diego Broadband, T-Mobile USA.

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