645 Paseo Rio, Vista, CA 92081 Property Records

San Diego County property record for 645 Paseo Rio, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,864 sqft · built 1991
Lot Size	0.9 acres (3,924 sqft)
Owner	2 Individual Names on Record
Last Sale	$870,000 (Jul 2026)
Tax Bill	$6,927 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166-771-64-00`

Property Details

APN / Parcel Number

Primary APN	`166-771-64-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,864 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	3,924 sqft (0.9 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	645 PASEO RIO
City	VISTA
State	CA
Zip	92081-6323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-M
Legal Description	LOT 111 TR 012198
Legal Subdivision	VISTA 86-20
Legal Tract	012198
Legal Block	1
Legal Lot Number	111
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1015
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	645 PASEO RIO, VISTA, CA 92081-6323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Grant Deed, Transfer · Conventional Mortgage A MORTGAGE
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Jan 5, 2016 · Amount on Record
Deed Document Number	2026198694
Prior Transfer Date	Oct 4, 2004
Prior Transfer Doc	0000945295
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2026
Property Address	645 PASEO RIO, VISTA, CA 92081-6323
Document Number	0000198694
Instrument Date	Jun 12, 2026
Instrument	2026198694
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,657.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	645 PASEO RIO, VISTA, CA 92081-6323

Mortgage

Document Number	0000198695,
Date	Jul 13, 2026
Instrument	2026198695

Lender

Name	A MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 PASEO RIO, VISTA, CA 92081-6323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 PASEO RIO, VISTA, CA 92081-6323

Mortgage

Document Number	0000000326
Date	Jan 4, 2021
Instrument	2021-0000326

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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		$562,069 (+2%) Land $298,240 Building $263,829
2025	$6,927.00 (+7.7%) Homeowner's exemption	$551,049 (+4.04%) Land $292,393 Building $258,656
2023	$6,432.00 (+0.25%) Homeowner's exemption	$529,653 Land $281,040 Building $248,613
2022	$6,416.00

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
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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