4838 Vista Arroyo, La Mesa, CA 91941 Property Records

San Diego County property record for 4838 Vista Arroyo, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,694 sqft · built 1990
Lot Size	0.78 acres (33,977 sqft)
Owner	Company Name on Record
Last Sale	$1,040,000 (Sep 2018)
Tax Bill	$15,872 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`496-360-05-00`

Property Details

APN / Parcel Number

Primary APN	`496-360-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	3,694 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	33,977 sqft (0.78 acres)
View / Lot	Good
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4838 VISTA ARROYO
City	LA MESA
State	CA
Zip	91941-4362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 22-16-1W NW 1/4 POR SW 1/4 OF
Legal Range	01W
Legal Township	16
Legal Section	22
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1008
Census Tract	15200

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	Company Name on Record
Mailing Address	4838 VISTA ARROYO, LA MESA, CA 91941-4362
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Intrafamily Transfer, Transfer
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 27, 2018	Grant Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Deed Document Number	2018403620
Prior Transfer Date	Jan 6, 1995
Prior Transfer Doc	0000017053
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 11, 2023
Property Address	4838 VISTA ARROYO, LA MESA, CA 91941-4362
Document Number	0000008471
Instrument Date	Jan 11, 2023
Instrument	2023-0008471
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	4838 VISTA ARROYO, LA MESA, CA 91941-4362

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4838 VISTA ARROYO, LA MESA, CA 91941-4362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000610307
Date	Dec 27, 2019
Instrument	2019-0610307

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2018
Property Address	4838 VISTA ARROYO, LA MESA, CA 91941-4362
Document Number	0000403620
Instrument Date	Aug 7, 2018
Instrument	403620
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,144.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4838 VISTA ARROYO LA MESA CA 919414362, LA MESA, CA 91941-4362

Mortgage

Document Number	403621
Date	Sep 27, 2018
Instrument	403621

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Cajon Valley Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,328,355 (+2%) Land $568,911 Building $759,444
2025	$15,872.00 (+2.72%) Homeowner's exemption	$1,302,309 (+4.04%) Land $557,756 Building $744,553
2023	$15,451.00 (+1.73%) Homeowner's exemption	$1,251,741 Land $536,099 Building $715,642
2022	$15,188.00

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2007 · other causes

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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