505 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 505 Cota Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,784 sqft · built 2015
Lot Size	0.295 acres (12,847 sqft)
Owner	Individual Name on File
Last Sale	$607,500 (Oct 2015)
Tax Bill	$8,881 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159-093-37-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-37-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,784 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	12,847 sqft (0.295 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	505 COTA LN
City	VISTA
State	CA
Zip	92083-1996
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 105 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	105
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

505 Cota Ln is owned and occupied by an individual who bought it in October 2015.

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	Individual Name on File
Mailing Address	505 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESMAC INC
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2015 · Amount on File
Deed Sale	Oct 15, 2015 · Amount on File
Deed Document Number	2015540379
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	505 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	USA NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000841108
Date	Dec 29, 2020
Instrument	2020-0841108

Lender

Name	RESMAC INC
Type	Non-Lending Institution
Address	DELRAY BEACH, FL 33483

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	505 COTA LN, VISTA, CA 92083-1996
Document Number	0000170394
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 COTA LN VISTA CA 920831996, VISTA, CA 92083-1996

Mortgage

Document Number	0000170394
Date	Apr 2, 2020
Instrument	170394

Lender

Name	DIRECT HM LNDG
Address	CORONA, CA 92883

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 505 Cota Ln was $8,881 with a homeowner's exemption.

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		$732,955 (+2%) Land $193,192 Building $539,763
2025	$8,881.00 Homeowner's exemption	$718,584 Land $189,404 Building $529,180
2023	$8,234.00 (+0.24%) Homeowner's exemption	$690,682 Land $182,050 Building $508,632
2022	$8,214.00

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

Flood

FEMA maps place 505 Cota Ln in Zone X, an area of minimal flood risk.

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 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 505 Cota Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	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 662 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Cota Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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