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644 Cortez Ave, Vista, CA 92084 Property Records

San Diego County property record for 644 Cortez Ave, Vista, CA 92084

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,999 sqft · built 1979
Lot Size0.51 acres (22,216 sqft)
OwnerIndividual Name on File
Last Sale$294,000 (Mar 2012)
Tax Bill$4,906 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Mar 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN173-110-31-00

Property Details

APN / Parcel Number

Primary APN173-110-31-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,999 sqft Living Area

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Lot Area22,216 sqft (0.51 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address644 CORTEZ AVE
CityVISTA
StateCA
Zip92084-3728
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionPAR D TR PM06454
Legal SubdivisionSAN BERNARDINO MERIDIAN
Legal Tract6454
Legal Block2
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract19206

Owner

Source: San Diego County records · APN 173-110-31-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address644 CORTEZ AVE, VISTA, CA 92084-3728
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOMETOWN EQUITY MORTGAGE
Mar 28, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 26, 2012 · Amount on Record
Deed SaleMar 26, 2012 · Amount on Record
Prior SaleOct 28, 2011 · Amount on Record
Deed Document Number2012174017
Prior Transfer DateApr 12, 2005
Prior Transfer Doc0000394524
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address644 CORTEZ AVE, VISTA, CA 92084-3728
Transaction TypeMortgage
Record UpdatedAug 03, 2023
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4371, OCEANSIDE, CA 92052-4371

Mortgage

Document Number0000106296
DateFeb 10, 2021
Instrument2021-0106296
Lender
NameHOMETOWN EQUITY MORTGAGE
TypeMortgage Company
AddressLAKE FOREST, CA 92630
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address644 CORTEZ AVE, VISTA, CA 92084-3728
Transaction TypeMortgage
Record UpdatedAug 03, 2023
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 CORTEZ AVE, VISTA, CA 92084-3728

Mortgage

Document Number0000135132
DateMar 28, 2022
Instrument2022-0135132
Lender
NameBANK OF AMERICA NA
TypeBank
AddressTAMPA, FL 33634
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityVista City
Unified School DistrictVista Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$376,654 (+2%) Land $223,756 Building $152,898
2025$4,906.00 (+7.26%) Homeowner's exemption$369,269 (+4.04%) Land $219,369 Building $149,900
2023$4,574.00 (+0.24%) Homeowner's exemption$354,931 Land $210,851 Building $144,080
2022$4,563.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: California Internet, Orion CableSystems, San Diego Broadband, T-Mobile USA, Verizon.

Based on FCC filings for 549 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA3710027, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemVISTA IRRIGATION DISTRICT
serves 134,501 people
Water SourceSurface water
Last State InspectionNov 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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