4856 Vista Arroyo, La Mesa, CA 91941 Property Records

San Diego County property record for 4856 Vista Arroyo, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,791 sqft · built 1980
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Trust Names on File
Last Sale	$512,000 (Feb 2012)
Tax Bill	$8,152 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`496-360-04-00`

Property Details

APN / Parcel Number

Primary APN	`496-360-04-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,791 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	13,200 sqft (0.303 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	4856 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 OF 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

4856 Vista Arroyo is owner-occupied and held in a trust since December 2018.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Intrafamily Transfer, Transfer
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 7, 2019	Quit Claim Deed, Transfer OTHER
Sep 25, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2012 · Amount on File
Deed Sale	Feb 24, 2012 · Amount on File
Deed Document Number	2012107120
Last Transfer Date	Dec 3, 2018
Transfer Doc	0000044350
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 12, 2026
Property Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Document Number	0000008151
Map Reference	MB 3593 PG 90
Instrument Date	Dec 15, 2025
Instrument	2026-0008151
Transaction Type	Transfer
Record Updated	Jan 20, 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	4856 VISTA ARROYO, LA MESA, CA 91941-4362

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362

Mortgage

Document Number	0000306294
Date	Jul 27, 2022
Instrument	2022-0306294

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 31, 2047

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	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362

Mortgage

Document Number	0000073966
Date	Feb 1, 2021
Instrument	2021-0073966

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 7, 2019
Property Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Document Number	0000044350
Instrument Date	Dec 3, 2018
Instrument	44350
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4856 VISTA ARROYO LA MESA CA 919414362, LA MESA, CA 91941-4362

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4856 VISTA ARROYO, LA MESA, CA 91941-4362
Document Number	0000413826
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4856 VISTA ARROYO LA MESA CA 919414362, LA MESA, CA 91941-4362

Mortgage

Document Number	0000413826
Date	Oct 4, 2018
Instrument	413826

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4856 Vista Arroyo was $8,152.

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		$655,949 (+2%) Land $333,100 Building $322,849
2025	$8,152.00 Homeowner's exemption	$643,088 Land $326,569 Building $316,519
2023	$7,881.00 (+1.89%) Homeowner's exemption	$618,118 Land $313,889 Building $304,229
2022	$7,735.00

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

Flood

FEMA maps place 4856 Vista Arroyo in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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

Wildfire risk around 4856 Vista Arroyo is low, with a 0.02% annual chance of 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.

Nearby Properties on Vista Arroyo

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures