645 Matagual Dr, Vista, CA 92081 Property Records

San Diego County property record for 645 Matagual Dr, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,494 sqft · built 1953
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$642,000 (Nov 2017)
Tax Bill	$8,862 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2021 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`164-231-25-00`

Property Details

APN / Parcel Number

Primary APN	`164-231-25-00`
Alternative APN	`1642305100`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,494 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Old Parcel Number	1642305100
Street Address	645 MATAGUAL DR
City	VISTA
State	CA
Zip	92081-6610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	PAR B TR PM00775
Legal Subdivision	ORLEAVO HEIGHTS
Legal Tract	775
Legal Block	1
Legal Lot Number	9,10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	19702

Owner

645 Matagual Dr is owned and occupied by two individuals who acquired it in July 2018.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jun 30, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 30, 2020	Loan Modification, Mortgage · Conventional with PMI GUILD MTG
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 28, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 28, 2017	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jun 1, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on File
Deed Sale	Nov 28, 2017 · Amount on File
Prior Sale	Jun 1, 2017 · Amount on File
Deed Document Number	2017550902
Last Transfer Date	Jul 25, 2018
Transfer Doc	0000302885
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000256337
Date	Sep 21, 2023
Instrument	2023-0256337

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Jun 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MATAGUAL DR, VISTA, CA 92081-6610

Mortgage

Document Number	0000865471
Date	Dec 27, 2021
Instrument	2021-0865471

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jun 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MATAGUAL DR, VISTA, CA 92081-6610

Mortgage

Document Number	0000529193
Date	Jul 26, 2021
Instrument	2021-0529193

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Jun 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000384536
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	645 MATAGUAL DR VISTA CA 920816610, VISTA, CA 92081-6610

Mortgage

Document Number	0000384536
Date	Jul 17, 2020
Instrument	384536

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000469960
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	645 MATAGUAL DR VISTA CA 920816610, VISTA, CA 92081-6610

Mortgage

Document Number	0000469960
Date	Aug 20, 2020
Instrument	469960

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

Interest

Rate	3.5%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 25, 2018
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000302885
Instrument Date	Jul 25, 2018
Instrument	302885
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MATAGUAL DR VISTA CA 920816610, VISTA, CA 92081-6610

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2017
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000550903
Instrument Date	Nov 27, 2017
Instrument	550903
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	645 MATAGUAL DR VISTA CA 920816610, VISTA, CA 92081-6610

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2017
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000550902
Map Reference	PM775
Instrument Date	Oct 18, 2017
Instrument	2017-0550902
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	645 MATAGUAL DR, VISTA, CA 92081-6610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000550904
Date	Nov 28, 2017
Instrument	2017-0550904

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 1, 2017
Property Address	645 MATAGUAL DR, VISTA, CA 92081-6610
Document Number	0000247264
Instrument Date	May 8, 2017
Instrument	247264
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$614.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	129 PARKER ST NORWELL MA 020611424, NORWELL, MA 02061-1424

Mortgage

Document Number	247265
Date	Jun 1, 2017
Instrument	247265

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 645 Matagual Dr was $8,862.

Source: San Diego County assessment roll, as of July 21, 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		$730,481 (+2%) Land $522,707 Building $207,774
2025	$8,862.00	$716,158 Land $512,458 Building $203,700
2023	$8,215.00 (+0.23%)	$688,350 Land $492,559 Building $195,791
2022	$8,196.00

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

Flood

FEMA maps place 645 Matagual Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 645 Matagual Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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 208 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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