521 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 521 Cota Ln, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,381 sqft · built 2015
Lot Size	0.19 acres (8,272 sqft)
Owner	2 Trust Names on File
Last Sale	$870,000 (Jun 2021)
Tax Bill	$11,480 (2025)
Deeds & Mortgages	Feb 2022 Transfer Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159-093-41-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-41-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,381 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	8,272 sqft (0.19 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	521 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 109 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	109
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

521 Cota Ln is owner-occupied and held in a trust since January 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	521 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Feb 11, 2022	Intrafamily Transfer, Transfer
Jun 4, 2021	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Jun 3, 2015 · Amount on File
Deed Document Number	2021417830
Last Transfer Date	Jan 20, 2022
Transfer Doc	0000065009
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 11, 2022
Property Address	521 COTA LN, VISTA, CA 92083-1996
Document Number	0000065009
Map Reference	DOC 2013-0578449
Instrument Date	Jan 20, 2022
Instrument	2022-0065009
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	521 COTA LN, VISTA, CA 92083-1996

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2021
Property Address	521 COTA LN, VISTA, CA 92083-1996
Document Number	0000417830
Map Reference	DOC 2013-0578449
Instrument Date	Jun 2, 2021
Instrument	2021-0417830
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CORINTHIAN 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	521 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000417831
Date	Jun 4, 2021
Instrument	2021-0417831

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 521 Cota Ln was $11,480.

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		$960,545 (+2%) Land $213,508 Building $747,037
2025	$11,480.00	$941,712 Land $209,322 Building $732,390
2023	$9,921.00 (-6.45%)	$905,146 Land $201,195 Building $703,951
2022	$10,605.00

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

Flood

FEMA maps place 521 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 521 Cota Ln is low, with 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 95% of the US · lower than 97% of California
Wildfire Likelihood	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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: San Diego Broadband.

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