513 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 513 Cota Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,777 sqft · built 2015
Lot Size	0.209 acres (9,089 sqft)
Owner	2 Individual Names on Record
Last Sale	$657,500 (May 2016)
Tax Bill	$9,553 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159-093-39-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-39-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,777 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	9,089 sqft (0.209 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	513 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 107 TR 015941
Legal Subdivision	VISTA SUB MAP # 15941
Legal Tract	015941
Legal Block	3
Legal Lot Number	107
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	513 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage EXCEL REALTY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Deed Document Number	2016262341
Last Transfer Date	Oct 23, 2020
Transfer Doc	0000674847
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	513 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000064976
Date	Feb 11, 2022
Instrument	2022-0064976

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2020
Property Address	513 COTA LN, VISTA, CA 92083-1996
Document Number	0000674847
Map Reference	DOC 2013-0578449
Instrument Date	Oct 23, 2020
Instrument	2020-0674847
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	513 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000674848
Date	Oct 30, 2020
Instrument	2020-0674848

Lender

Name	EXCEL REALTY INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$793,675 (+2%) Land $199,229 Building $594,446
2025	$9,553.00 (+7.91%) Homeowner's exemption	$778,114 (+4.04%) Land $195,323 Building $582,791
2023	$8,853.00 (+0.25%) Homeowner's exemption	$747,901 Land $187,740 Building $560,161
2022	$8,831.00

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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