654 Ocotillo Dr, Vista, CA 92083 Property Records

San Diego County property record for 654 Ocotillo Dr, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,081 sqft · built 1959
Lot Size	0.145 acres (6,300 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Nov 2012)
Tax Bill	$3,363 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`163-111-05-00`

Property Details

APN / Parcel Number

Primary APN	`163-111-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,081 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	654 OCOTILLO DR
City	VISTA
State	CA
Zip	92083-3445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 96 TR 003809
Legal Subdivision	SIERRA ESTATES
Legal Tract	003809
Legal Block	2
Legal Lot Number	96
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	19501

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	200 N ASH ST, 100, ESCONDIDO, CA 92027-3024
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Jun 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGENTS BANK NA
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2012 · Amount on Record
Deed Sale	Nov 6, 2012 · Amount on Record
Prior Sale	Dec 21, 1992 · Amount on Record
Deed Document Number	2012690807
Prior Transfer Date	Sep 15, 2010
Prior Transfer Doc	0000493049
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 OCOTILLO DR, VISTA, CA 92083-3445
Transaction Type	Mortgage
Record Updated	Jan 6, 2023
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 S SANTA FE AVE, VISTA, CA 92083-8209

Mortgage

Document Number	0000481314
Date	Dec 29, 2022
Instrument	2022-0481314

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 OCOTILLO DR, VISTA, CA 92083-3445
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221364
Date	Jun 1, 2018
Instrument	2018-0221364

Lender

Name	REGENTS BANK NA
Type	Bank
Address	VISTA, CA 92083

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 OCOTILLO DR, VISTA, CA 92083-3445
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 S SANTA FE AVE, VISTA, CA 92083-8209

Mortgage

Document Number	0000475522
Date	Jun 30, 2021
Instrument	2021-0475522

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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		$232,355 (+2%) Land $171,748 Building $60,607
2025	$3,363.00 (+6.59%)	$227,800 (+4.04%) Land $168,381 Building $59,419
2023	$3,155.00 (+0.19%)	$218,956 Land $161,844 Building $57,112
2022	$3,149.00

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
Nearby Flood Policies	8 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 628 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Astound Broadband, GeoLinks.

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