641 Cantara Ln, Vista, CA 92081 Property Records

San Diego County property record for 641 Cantara Ln, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,897 sqft · built 1992
Lot Size	0.176 acres (7,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$894,000 (Nov 2024)
Tax Bill	$10,880 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`166-521-48-00`

Property Details

APN / Parcel Number

Primary APN	`166-521-48-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,897 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	7,668 sqft (0.176 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	641 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 86 TR 012583
Legal Subdivision	VISTA A VISTA 89-04 PH I
Legal Tract	012583
Legal Block	1
Legal Lot Number	86
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 Individual Names on Record
Mailing Address	641 CANTARA LN, VISTA, CA 92081-6357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 7, 2019	Intrafamily Transfer, Transfer · Line of Credit SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	Aug 5, 1997 · Amount on Record
Deed Document Number	2024303437
Prior Transfer Date	May 30, 2019
Prior Transfer Doc	0000220053
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	641 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000028647
Date	Feb 2, 2026
Instrument	2026-0028647

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 7, 2019
Property Address	641 CANTARA LN, VISTA, CA 92081-6357
Document Number	0000220053
Map Reference	MAP 12583
Instrument Date	May 30, 2019
Instrument	2019-0220053
Transaction Type	Transfer
Record Updated	Aug 24, 2021
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	Community Property with Right of Survivorship
Address	641 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000220054
Date	Jun 7, 2019
Instrument	2019-0220054

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$911,879 (+2%) Land $416,852 Building $495,027
2025	$10,880.00 (+185.12%)	$894,000 (+218.34%) Land $408,679 Building $485,321
2023	$3,816.00 (+0.21%)	$280,833 Land $128,379 Building $152,454
2022	$3,808.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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