637 Cantara Ln, Vista, CA 92081 Property Records

San Diego County property record for 637 Cantara Ln, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,215 sqft · built 1992
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Company Names on Record
Last Sale	$882,500 (Mar 2023)
Tax Bill	$11,074 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`166-521-47-00`

Property Details

APN / Parcel Number

Primary APN	`166-521-47-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,215 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	9,598 sqft (0.22 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	637 CANTARA LN
City	VISTA
State	CA
Zip	92081-6357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 85 TR 012583
Legal Subdivision	89-04 PH 1
Legal Tract	012583
Legal Block	1
Legal Lot Number	85
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1009
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 Company Names on Record
Mailing Address	637 CANTARA LN, VISTA, CA 92081-6357
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Mar 10, 2023	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Feb 18, 2021	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 12, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Dec 12, 2003 · Amount on Record
Deed Document Number	202362319
Last Transfer Date	Jan 3, 2025
Transfer Doc	0000006222
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000304785
Date	Oct 30, 2025
Instrument	2025-0304785

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2023
Property Address	637 CANTARA LN, VISTA, CA 92081-6357
Document Number	0000062319
Map Reference	MAP 12583
Instrument Date	Feb 13, 2023
Instrument	2023-0062319
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	637 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000062320
Date	Mar 10, 2023
Instrument	2023-0062320

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000125234
Date	Feb 18, 2021
Instrument	2021-0125234

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000276611
Date	Jun 1, 2020
Instrument	2020-0276611

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Sep 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 CANTARA LN, VISTA, CA 92081-6357
Document Number	0000376143
Instrument Date	Aug 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	WESTERN RESOURCES TITLE, WESTERN RSRCS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CANTARA LN VISTA CA 920816357, VISTA, CA 92081-6357

Mortgage

Document Number	0000376143
Date	Aug 17, 2017
Instrument	376143

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2047

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		$936,513 (+2%) Land $466,257 Building $470,256
2025	$11,074.00 (+45.33%) Homeowner's exemption	$918,151 (+43.57%) Land $457,115 Building $461,036
2023	$7,620.00 (+0.25%) Homeowner's exemption	$639,532 Land $318,400 Building $321,132
2022	$7,601.00

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

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

May also be available: GeoLinks, Verizon.

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