San Diego County property record for 640 Osborne St, Vista, CA 92084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,056 sqft · built 1971 |
| Lot Size | 3.85 acres (167,706 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,659 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 171-031-22-00 |
| Primary APN | 171-031-22-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,056 sqft Living Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 167,706 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 640 OSBORNE ST |
|---|---|
| City | VISTA |
| State | CA |
| Zip | 92084-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | SEC 7-11-3W NWQ PAR A PER DOC05-337086 IN NEQ OF |
| Legal Range | 03W |
| Legal Township | 11 |
| Legal Section | 07 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 19203 |
640 Osborne St is owned and occupied by two individuals who acquired it in July 2006.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 OSBORNE ST, VISTA, CA 92084-1802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 14, 2006 |
| Transfer Doc | 0000521139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 640 OSBORNE ST, VISTA, CA 92084-1802 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 640 OSBORNE ST, VISTA, CA 92084-1802 |
| Document Number | 0000801859 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 2021-0801859 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 640 Osborne St was $3,659 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $328,744 (+2%) Land $138,232 Building $190,512 | |
| 2025 | $3,659.00 Homeowner's exemption | $322,299 Land $135,522 Building $186,777 |
| 2023 | $3,369.00 (+0.3%) Homeowner's exemption | $309,785 Land $130,260 Building $179,525 |
| 2022 | $3,359.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 640 Osborne St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 | 3 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jun 1982 · 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 risk around 640 Osborne St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: San Diego Broadband.
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