INNOVATIVE TITLE COMPANY LLC, INNOVATIVE 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
901 QUAILS TRAIL RD, VISTA, CA 92081-7539
Mortgage
Document Number
0000084859
Date
Apr 3, 2023
Instrument
2023-0084859
Lender
Name
JPMORGAN CHASE BANK NA
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Apr 1, 2053
November 2021: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Nov 30, 2021
Property Address
629 SUN CIR, VISTA, CA 92081-7551
Document Number
0000814151
Map Reference
MAP 14131
Instrument Date
Nov 4, 2021
Instrument
2021-0814151
Transaction Type
Transfer
Record Updated
Dec 8, 2021
Title Company
TICOR TITLE COMPANY/CA, TICOR TITLE CO SD BRANCH
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
629 SUN CIR, VISTA, CA 92081-7551
Mortgage
Document Number
0000814152
Date
Nov 30, 2021
Instrument
2021-0814152
Lender
Name
JMAC LENDING INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Dec 1, 2051
May 2017: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN DIEGO CA
Property Address
629 SUN CIR, VISTA, CA 92081-7551
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
LAWYERS TITLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000227970
Date
May 22, 2017
Instrument
2017-0227970
Lender
Name
SAN DIEGO COUNTY CU
Type
Credit Union
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
241 Months
Due
Jun 17, 2037
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
Index
Prime Rate
Max Rate
17.5%
March 2017: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
SAN DIEGO CA
Recording Date
Mar 29, 2017
Property Address
629 SUN CIR, VISTA, CA 92081-7551
Document Number
0000141350
Map Reference
MAP14131
Instrument Date
Mar 22, 2017
Instrument
2017-0141350
Transaction Type
Transfer
Record Updated
Aug 24, 2021
Title Company
FIRST AMERICAN TITLE COMPANY
Transaction
Tax
$0.00
Amount Accuracy
No Consideration Stated
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
629 SUN CIR, VISTA, CA 92081-7551
Mortgage
Document Number
0000141351
Date
Mar 29, 2017
Instrument
2017-0141351
Lender
Name
SAN DIEGO COUNTY CU
Type
Credit Union
Agreement
Type
ARM
Amount
Amount on Record
Term
361 Months
Due
Apr 2, 2047
Interest
Rate Type
Adjustable Rate
Rate
3.25%
Adjustable
Adjustable Rate Rider
Type Change Date
Apr 1, 2022
Change Frequency
5 Years
Min Rate At Change
2.75%
Max Rate At Change
5.25%
Index
5-Year CMT
Max Rate
8.25%
Tax Assessment & Valuation
The 2025 property tax bill for 629 Sun Cir was $19,812 with a homeowner's exemption.
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
$1,729,769 (+2%)Land $1,061,208Building $668,561
2025
$19,812.00Homeowner's exemption
$1,695,852Land $1,040,400Building $655,452
2023
$17,756.00 (+0.24%)Homeowner's exemption
$1,581,000Land $1,020,000Building $561,000
2022
$17,713.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 629 Sun Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.
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
2 (1998–2020)
Claims Outside the SFHA
2 of 2
Most Recent Claim
Apr 2020
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 629 Sun Cir 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 99.8% of the US · lower than 99.8% 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 321 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Cox Communications Cable
2,000 / 100
San Diego Broadband Fixed Wireless
500 / 100
T-Mobile Fixed Wireless
100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area
100 / 20
May also be available: GeoLinks, Spectrum, Verizon.