637 Pine Tree Ln, Unit 1, Vista, CA 92081 Property Records

San Diego County property record for 637 Pine Tree Ln, Unit 1, Vista, CA 92081

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 4 ba · 1,342 sqft · built 1959
Lot Size	0.271 acres (11,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Jan 2019)
Tax Bill	$12,133 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`179-220-07-00`

Property Details

APN / Parcel Number

Primary APN	`179-220-07-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Units	3 Units
Building Area	1,342 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Multi-Family
Lot Area	11,806 sqft (0.271 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	637 PINE TREE LN, 1
City	VISTA
State	CA
Zip	92081-6851
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R-1
Legal Description	LOT 281 POR TR 001984
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	001984
Legal Block	4
Legal Lot Number	281
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	19702

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	637 PINE TREE LN, VISTA, CA 92081-6850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 23, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 29, 2019	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK
May 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROSENBERG D & C F/TR (PT)
May 24, 2018	Grant Deed, Transfer · Commercial Mortgage SUNCREST BANK
May 24, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	201931003
Prior Transfer Date	Jun 17, 2014
Prior Transfer Doc	0000252282
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 PINE TREE LN UNIT 1, 1, VISTA, CA 92081-6851
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 E EDGEWOOD DR, WHITEFISH, MT 59937-8120

Mortgage

Document Number	0000044529
Date	Feb 18, 2026
Instrument	2026-0044529

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 PINE TREE LN, VISTA, CA 92081-6810

Mortgage

Document Number	0000303271
Date	Jul 25, 2022
Instrument	2022-0303271

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 PINE TREE LN, VISTA, CA 92081-6810

Mortgage

Document Number	0000218809
Date	May 23, 2022
Instrument	2022-0218809

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.24%
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	LENNAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 PINE TREE LN, VISTA, CA 92081-6810

Mortgage

Document Number	0000320500
Date	Apr 26, 2021
Instrument	2021-0320500

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 29, 2019
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Document Number	0000031003
Map Reference	MAP 1984
Instrument Date	Nov 19, 2018
Instrument	2019-0031003
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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 PINE TREE LN, VISTA, CA 92081-6810

Mortgage

Document Number	0000031004
Date	Jan 29, 2019
Instrument	2019-0031004

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Document Number	0000214896
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3033 BUNKER HILL ST SAN DIEGO CA 921095705, SAN DIEGO, CA 92109-5705
Investor	Possibly a Property Investor

Mortgage

Document Number	0000214896
Date	May 29, 2018
Instrument	214896

Lender

Name	ROSENBERG D & C F/TR (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2018
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Document Number	0000211114
Map Reference	MAP 1984
Instrument Date	May 9, 2018
Instrument	2018-0211114
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Address	3033 BUNKER HILL ST, SAN DIEGO, CA 92109-5705
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211115
Date	May 24, 2018
Instrument	2018-0211115

Lender

Name	SUNCREST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2018
Property Address	637 PINE TREE LN, VISTA, CA 92081-6810
Document Number	0000211113
Instrument Date	May 4, 2018
Instrument	211113
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5407 OCEANSIDE CA 920525407, OCEANSIDE, CA 92052-5407

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		$943,897 (+2%) Land $392,562 Building $551,335
2025	$12,133.00 (+61.26%) Homeowner's exemption	$925,390 (+46.28%) Land $384,865 Building $540,525
2023	$7,524.00 (+0.25%) Homeowner's exemption	$632,595 Land $369,921 Building $262,674
2022	$7,505.00

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	6 in force
Nearby Flood Claims	2 (1980–2020)
Claims Outside the SFHA	1 of 2
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	Not rated no burnable land within 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 308 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
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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