512 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 512 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	0.137 acres (5,954 sqft)
Owner	Individual Name on File
Last Sale	$850,000 (Mar 2021)
Tax Bill	$11,235 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159-093-22-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-22-00`

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	5,954 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	512 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 90 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	90
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

512 Cota Ln is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	512 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 11, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 10, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on File
Deed Sale	Mar 10, 2021 · Amount on File
Prior Sale	Sep 30, 2015 · Amount on File
Deed Document Number	2021186760
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	512 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000089457
Date	Apr 11, 2024
Instrument	2024-0089457

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2021
Property Address	512 COTA LN, VISTA, CA 92083-1996
Document Number	0000186760
Map Reference	DOC 2013-0578449
Instrument Date	Feb 22, 2021
Instrument	2021-0186760
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
Address	512 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000186761
Date	Mar 10, 2021
Instrument	2021-0186761

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	512 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000595467
Date	Dec 20, 2017
Instrument	2017-0595467

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 512 Cota Ln was $11,235.

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		$938,463 (+2%) Land $266,420 Building $672,043
2025	$11,235.00	$920,063 Land $261,197 Building $658,866
2023	$10,404.00 (+0.23%)	$884,338 Land $251,055 Building $633,283
2022	$10,380.00

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

Flood

FEMA maps place 512 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 512 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