490 E Indian Rock Rd, #92, Vista, CA 92084 Property Records

San Diego County property record for 490 E Indian Rock Rd, #92, Vista, CA 92084

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,496 sqft · built 1964
Lot Size	0.152 acres (6,638 sqft)
Owner	Company Name on File
Last Sale	$487,000 (Jul 2017)
Tax Bill	$6,344 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`175-361-03-00`

Property Details

APN / Parcel Number

Primary APN	`175-361-03-00`
Alternative APN	`1753500300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,496 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,638 sqft (0.152 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Old Parcel Number	1753500300
Street Address	490 E INDIAN ROCK RD, 92
City	VISTA
State	CA
Zip	92084-4404
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-M
Legal Description	LOT 5 TR 004647
Legal Subdivision	BISHOP KLEAVELAND SUB
Legal Tract	004647
Legal Block	2
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19206

Owner

490 E Indian Rock Rd, #92 is owned by a company that bought it in July 2017.

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

Owner of Record	Company Name on File
Mailing Address	1426 CHATEAU SAINT JEAN, BONSALL, CA 92003-6109
Owner Type	Company
Vesting	Borrower in Default

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
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 31, 2017	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Oct 26, 2012 · Amount on File
Deed Document Number	2017344707
Prior Transfer Date	Jan 19, 1996
Prior Transfer Doc	0000043799
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	490 E INDIAN ROCK RD # 92, 92, VISTA, CA 92084-4404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275357
Date	May 29, 2020
Instrument	2020-0275357

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2017
Property Address	490 E INDIAN ROCK RD # 92, 92, VISTA, CA 92084-4404
Document Number	0000344707
Instrument Date	Jul 11, 2017
Instrument	344707
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1426 CHATEAU SAINT JEAN BONSALL CA 920036109, BONSALL, CA 92003-6109

Mortgage

Document Number	344708
Date	Jul 31, 2017
Instrument	344708

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 490 E Indian Rock Rd, #92 was $6,344.

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		$565,199 (+2%) Land $261,129 Building $304,070
2025	$6,344.00	$554,117 Land $256,009 Building $298,108
2023	$7,258.00 (+0.19%)	$532,602 Land $246,069 Building $286,533
2022	$7,244.00

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

Flood

FEMA maps place 490 E Indian Rock Rd, #92 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 490 E Indian Rock Rd, #92 has no burnable land within ember reach, so its wildfire risk is not rated.

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 679 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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