625 Traci Ln, Vista, CA 92084 Property Records

San Diego County property record for 625 Traci Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,720 sqft · built 1973
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Jun 2012)
Tax Bill	$5,207 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`180-060-53-00`

Property Details

APN / Parcel Number

Primary APN	`180-060-53-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,720 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	10,800 sqft (0.248 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	625 TRACI LN
City	VISTA
State	CA
Zip	92084-7039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PAR B TR PM00306
Legal Subdivision	ORLEAVO HEIGHTS
Legal Tract	1000306
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	19602

Owner

Source: San Diego County records, as of July 28, 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	625 TRACI LN, VISTA, CA 92084-7039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Oct 22, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2012 · Amount on Record
Deed Sale	Jun 22, 2012 · Amount on Record
Deed Document Number	2012363878
Prior Transfer Date	Jun 19, 2000
Prior Transfer Doc	0000346393
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	625 TRACI LN, VISTA, CA 92084-7039
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 TRACI LN, VISTA, CA 92084-7039

Mortgage

Document Number	0000109804
Date	Mar 11, 2022
Instrument	2022-0109804

Lender

Name	BANNER BANK
Type	Bank
Address	CARLSBAD, CA 92008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	625 TRACI LN, VISTA, CA 92084-7039
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 TRACI LN, VISTA, CA 92084-7039

Mortgage

Document Number	0000267427
Date	Apr 6, 2021
Instrument	2021-0267427

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	625 TRACI LN, VISTA, CA 92084-7039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000154208
Date	Apr 6, 2017
Instrument	2017-0154208

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17.5%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	625 TRACI LN, VISTA, CA 92084-7039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439879
Date	Oct 22, 2018
Instrument	2018-0439879

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92195

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$408,683 (+2%) Land $171,671 Building $237,012
2025	$5,207.00 (+7.43%) Homeowner's exemption	$400,670 (+4.04%) Land $168,305 Building $232,365
2023	$4,847.00 (+0.25%) Homeowner's exemption	$385,113 Land $161,770 Building $223,343
2022	$4,835.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2000–2009)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2009 · other causes

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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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