635 Paseo Rio, Vista, CA 92081 Property Records

San Diego County property record for 635 Paseo Rio, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,132 sqft · built 1990
Lot Size	0.88 acres (3,855 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,065 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`166-771-60-00`

Property Details

APN / Parcel Number

Primary APN	`166-771-60-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,132 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	3,855 sqft (0.88 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	635 PASEO RIO
City	VISTA
State	CA
Zip	92081-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-M
Legal Description	LOT 107 TR 012198
Legal Subdivision	VISTA 86-20
Legal Tract	012198
Legal Block	1
Legal Lot Number	107
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1015
Census Tract	19701

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	635 PASEO RIO, VISTA, CA 92081-6322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Jun 15, 2023	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 28, 2022	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INS
Sep 28, 2022	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2022	Intrafamily Transfer, Transfer · VA Mortgage NETWORK CAPITAL FUNDING CORP
Jan 3, 2022	Intrafamily Transfer, Transfer UNISOURCE NATL LENDER SVCS L
Oct 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Oct 28, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022
Deed Sale	Jan 3, 2022
Prior Sale	Aug 25, 2003 · Amount on Record
Deed Document Number	2022632
Prior Transfer Date	Oct 6, 2020
Prior Transfer Doc	0000642369
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 PASEO RIO, VISTA, CA 92081-6322

Mortgage

Document Number	0000307522
Date	Oct 31, 2025
Instrument	2025-0307522

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2055

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2023
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000157223
Map Reference	MAP 12198
Instrument Date	Jun 6, 2023
Instrument	2023-0157223
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	FIRST AMERICAN TITLE INS CO

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	635 PASEO RIO, VISTA, CA 92081-6322

Mortgage

Document Number	0000157224
Date	Jun 15, 2023
Instrument	2023-0157224

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2022
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000380169
Map Reference	MAP 12198
Instrument Date	Sep 19, 2022
Instrument	2022-0380169
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE INS

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
Address	635 PASEO RIO, VISTA, CA 92081-6322

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2022
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000380167
Map Reference	MAP 12198
Instrument Date	Sep 19, 2022
Instrument	2022-0380167
Transaction Type	Transfer
Record Updated	Oct 7, 2022
Title Company	FIRST AMERICAN TITLE INS

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	635 PASEO RIO, VISTA, CA 92081-6322

Mortgage

Document Number	0000380168
Date	Sep 28, 2022
Instrument	2022-0380168

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2022
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000000632
Map Reference	MAP 12198
Instrument Date	Nov 11, 2021
Instrument	2022-0000632
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS L

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
Address	635 PASEO RIO, VISTA, CA 92081-6322

Mortgage

Document Number	0000000633
Date	Jan 3, 2022
Instrument	2022-0000633

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2022
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000000634
Map Reference	MAP 12198
Instrument Date	Nov 11, 2021
Instrument	2022-0000634
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	UNISOURCE NATL LENDER SVCS L

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
Address	635 PASEO RIO, VISTA, CA 92081-6322

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 21, 2020
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000642369
Instrument Date	Oct 6, 2020
Instrument	642369
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	635 PASEO RIO VISTA CA 920816322, VISTA, CA 92081-6322

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000209968
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	635 PASEO RIO VISTA CA 920816322, VISTA, CA 92081-6322

Mortgage

Document Number	0000209968
Date	Apr 24, 2020
Instrument	209968

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2019
Property Address	635 PASEO RIO, VISTA, CA 92081-6322
Document Number	0000487328
Instrument Date	Oct 25, 2019
Instrument	487328
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	635 PASEO RIO VISTA CA 920816322, VISTA, CA 92081-6322

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		$565,559 (+2%) Land $290,031 Building $275,528
2025	$5,065.00 (+5.5%)	$554,471 (+4.04%) Land $284,345 Building $270,126
2023	$4,801.00 (-1.58%)	$532,942 (+2%) Land $273,304 Building $259,638
2022	$4,878.00	$522,494 Land $267,946 Building $254,548

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 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2020 · rainfall accumulation

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 80% of the US · lower than 88% 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 678 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, T-Mobile.

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