509 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 509 Cota Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,067 sqft · built 2015
Lot Size	0.201 acres (8,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,225,000 (Jan 2022)
Tax Bill	$15,527 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159-093-38-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-38-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,067 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	8,740 sqft (0.201 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	509 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 106 TR 015941
Legal Subdivision	SUBDIVISION MAP #15941
Legal Tract	015941
Legal Block	3
Legal Lot Number	106
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

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	2 Individual Names on Record
Mailing Address	509 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Grant Deed, Transfer · VA Mortgage SAN DIEGO FUNDING
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 1, 2019	Grant Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	202245378
Record Updated	Sep 20, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2022
Property Address	509 COTA LN, VISTA, CA 92083-1996
Document Number	0000045378
Map Reference	DOC 2013-0578449
Instrument Date	Jan 18, 2022
Instrument	2022-0045378
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	GUARDIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	509 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000045379
Date	Jan 31, 2022
Instrument	2022-0045379

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	509 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000356176
Date	Jul 7, 2020
Instrument	2020-0356176

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2019
Property Address	509 COTA LN, VISTA, CA 92083-1996
Document Number	0000436477
Map Reference	MAP 15941
Instrument Date	Sep 16, 2019
Instrument	2019-0436477
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	509 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000436478
Date	Oct 1, 2019
Instrument	2019-0436478

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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		$1,325,978 (+2%) Land $649,458 Building $676,520
2025	$15,527.00 (+8.18%)	$1,299,979 (+4.04%) Land $636,724 Building $663,255
2023	$14,353.00 (+42.66%)	$1,249,500 Land $612,000 Building $637,500
2022	$10,061.00

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 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

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.

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