525 Cota Ln, Vista, CA 92083 Property Records

San Diego County property record for 525 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	0.176 acres (7,665 sqft)
Owner	2 Trust Names on File
Last Sale	$725,000 (Sep 2018)
Tax Bill	$9,978 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159-093-42-00`

Property Details

APN / Parcel Number

Primary APN	`159-093-42-00`

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	7,665 sqft (0.176 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	525 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 110 TR 015941
Legal Subdivision	PC 14-215
Legal Tract	015941
Legal Block	3
Legal Lot Number	110
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

Owner

525 Cota Ln is owner-occupied and held in a trust since May 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	525 COTA LN, VISTA, CA 92083-1996
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Nov 18, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 28, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Sep 27, 2018	Grant Deed, Transfer · VA Mortgage SAN DIEGO FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on File
Deed Sale	Sep 27, 2018 · Amount on File
Prior Sale	Jul 2, 2015 · Amount on File
Deed Document Number	2018404391
Last Transfer Date	May 16, 2025
Transfer Doc	0000135223
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 COTA LN, VISTA, CA 92083-1996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000726855
Date	Nov 18, 2020
Instrument	2020-0726855

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 COTA LN, VISTA, CA 92083-1996
Document Number	0000518864
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	525 COTA LN VISTA CA 920831996, VISTA, CA 92083-1996

Mortgage

Document Number	0000518864
Date	Nov 12, 2019
Instrument	518864

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2018
Property Address	525 COTA LN, VISTA, CA 92083-1996
Document Number	0000404391
Map Reference	DOC2013-0578449
Instrument Date	Aug 29, 2018
Instrument	2018-0404391
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
Relationship	Community Property with Right of Survivorship
Address	525 COTA LN, VISTA, CA 92083-1996

Mortgage

Document Number	0000404392
Date	Sep 27, 2018
Instrument	2018-0404392

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 525 Cota Ln was $9,978.

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		$824,919 (+2%) Land $240,213 Building $584,706
2025	$9,978.00	$808,745 Land $235,503 Building $573,242
2023	$9,247.00 (+0.23%)	$777,342 Land $226,359 Building $550,983
2022	$9,226.00

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

Flood

FEMA maps place 525 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 525 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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