4900 Vista Arroyo, La Mesa, CA 91941 Property Records

San Diego County property record for 4900 Vista Arroyo, La Mesa, CA 91941

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,357 sqft · built 1995
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on File
Last Sale	$1,410,000 (Sep 2024)
Tax Bill	$17,133 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`496-330-16-00`

Property Details

APN / Parcel Number

Primary APN	`496-330-16-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,357 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	37,026 sqft (0.85 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	4900 VISTA ARROYO
City	LA MESA
State	CA
Zip	91941-4396
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 22-16-1W NWQ 0.85 AC M/L IN LOTS 73&80 MAP 1516&IN SWQ OF TR 001516
Legal Range	01W
Legal Township	16
Legal Section	22
Legal Subdivision	MOUNT HELIX
Legal Tract	001516
Legal Block	1
Legal Lot Number	73,80
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1008
Census Tract	15200

Owner

4900 Vista Arroyo is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage INTERCAP LENDING
Mar 18, 2021	Deed of Trust, Mortgage · Line of Credit ZB NA
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Nov 14, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2024 · Amount on File
Deed Sale	Sep 5, 2024 · Amount on File
Prior Sale	Nov 14, 2019 · Amount on File
Deed Document Number	2024238674
Prior Transfer Date	Oct 20, 1998
Prior Transfer Doc	0000815315
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396

Mortgage

Document Number	0000057049
Date	Mar 2, 2026
Instrument	2026-0057049

Lender

Name	INTERCAP LENDING
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396

Mortgage

Document Number	0000212627
Date	Mar 18, 2021
Instrument	2021-0212627

Lender

Name	ZB NA
Type	Bank
Address	LA MESA, CA 91941

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396

Mortgage

Document Number	0000557174
Date	Sep 22, 2020
Instrument	2020-0557174

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2019
Property Address	4900 VISTA ARROYO, LA MESA, CA 91941-4396
Document Number	0000525234
Map Reference	MAP 1516
Instrument Date	Nov 4, 2019
Instrument	2019-0525234
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	GUARDIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	4900 VISTA ARROYO, LA MESA, CA 91941-4396

Mortgage

Document Number	0000525235
Date	Nov 14, 2019
Instrument	2019-0525235

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4900 Vista Arroyo was $17,133.

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		$1,438,200 (+2%) Land $969,000 Building $469,200
2025	$17,133.00 Homeowner's exemption	$1,410,000 Land $950,000 Building $460,000
2023	$11,020.00 (+1.79%) Homeowner's exemption	$880,886 Land $449,312 Building $431,574
2022	$10,826.00

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

Flood

FEMA maps place 4900 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 4900 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	Direct burnable vegetation

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 277 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon.

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