646 Cabezon Pl, Vista, CA 92081 Property Records

San Diego County property record for 646 Cabezon Pl, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,897 sqft · built 1993
Lot Size	0.166 acres (7,248 sqft)
Owner	2 Individual Names on File
Last Sale	$920,000 (Sep 2023)
Tax Bill	$11,303 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Sep 2023 Sale & Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`166-521-42-00`

Property Details

APN / Parcel Number

Primary APN	`166-521-42-00`

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 1993
Effective Year Built	Effective 1993
Lot Area	7,248 sqft (0.166 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	646 CABEZON PL
City	VISTA
State	CA
Zip	92081-6309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 80 TR 012583
Legal Subdivision	VISTA #89-04 PH I
Legal Tract	012583
Legal Block	1
Legal Lot Number	80
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1009
Census Tract	19701

Owner

646 Cabezon Pl is owned and occupied by two individuals who bought it in September 2023.

Source: San Diego County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	646 CABEZON PL, VISTA, CA 92081-6309
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Sep 8, 2023	Grant Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Dec 1, 2021	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
May 12, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO
May 12, 2023	Grant Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Mar 7, 2023	Grant Deed, Transfer · Commercial Mortgage HL3 SIERRA LLC
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage ENNKAR INC
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 21, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS
Apr 21, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Prior Sale	May 12, 2023 · Amount on File
Deed Document Number	2023245063
Prior Transfer Date	Nov 7, 2013
Prior Transfer Doc	0000676365
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL, VISTA, CA 92081-6309
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029936
Date	Feb 5, 2024
Instrument	2024-0029936

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2023
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000245063
Map Reference	MAP 12583
Instrument Date	Aug 23, 2023
Instrument	2023-0245063
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST 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
Relationship	Joint Tenants
Address	646 CABEZON PL, VISTA, CA 92081-6309
Investor	Possibly a Property Investor

Mortgage

Document Number	0000245064
Date	Sep 8, 2023
Instrument	2023-0245064

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL, VISTA, CA 92081-6309

Mortgage

Document Number	0000817476
Date	Dec 1, 2021
Instrument	2021-0817476

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.78%
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Index	1-Year CMT

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2023
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000125419
Map Reference	MAP 12583
Instrument Date	May 10, 2023
Instrument	2023-0125419
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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
Address	21 S WINDS DR, ESSEX, CT 06426-1201

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2023
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000125418
Map Reference	MAP 12583
Instrument Date	May 5, 2023
Instrument	2023-0125418
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	21 S WINDS DR, ESSEX, CT 06426-1201

Mortgage

Document Number	0000125420
Date	May 12, 2023
Instrument	2023-0125420

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2023
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000057073
Map Reference	MAP 12583
Instrument Date	Feb 23, 2023
Instrument	2023-0057073
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 21002, CHULA VISTA, CA 91921
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057074
Date	Mar 7, 2023
Instrument	2023-0057074

Lender

Name	HL3 SIERRA LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2024

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000666286
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL VISTA CA 920816309, VISTA, CA 92081-6309

Mortgage

Document Number	0000666286
Date	Oct 28, 2020
Instrument	666286

Lender

Name	ENNKAR INC
Address	ORANGE, CA 92865

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	828 Months
Due	Oct 27, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.84%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000666287
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL VISTA CA 920816309, VISTA, CA 92081-6309

Mortgage

Document Number	0000666287
Date	Oct 28, 2020
Instrument	666287

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	828 Months
Due	Oct 27, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.84%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000189147
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL VISTA CA 920816309, VISTA, CA 92081-6309

Mortgage

Document Number	0000189147
Date	Apr 27, 2017
Instrument	189147

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	864 Months
Due	Apr 26, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.39%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 CABEZON PL, VISTA, CA 92081-6309
Document Number	0000189148
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 CABEZON PL VISTA CA 920816309, VISTA, CA 92081-6309

Mortgage

Document Number	0000189148
Date	Apr 27, 2017
Instrument	189148

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	864 Months
Due	Apr 26, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.39%

Tax Assessment & Valuation

The 2025 property tax bill for 646 Cabezon Pl was $11,303 with a homeowner's exemption.

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		$957,166 (+2%) Land $608,144 Building $349,022
2025	$11,303.00 Homeowner's exemption	$938,399 Land $596,220 Building $342,179
2023	$9,604.00 (+609.31%)	$816,000 Land $561,000 Building $255,000
2022	$1,354.00

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

Flood

FEMA maps place 646 Cabezon Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 646 Cabezon Pl 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 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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