San Diego County property record for 654 Spires St, Vista, CA 92083 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1975 |
| Lot Size | 0.175 acres (7,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jan 2012) |
| Tax Bill | $3,393 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Apr 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 163-082-01-00 |
| Primary APN | 163-082-01-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,152 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Lot Area | 7,600 sqft (0.175 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 654 SPIRES ST |
|---|---|
| City | VISTA |
| State | CA |
| Zip | 92083-3432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 54 TR 003612 |
| Legal Subdivision | SIERRA ESTATES |
| Legal Tract | 003612 |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 19403 |
Source: San Diego County records · APN 163-082-01-00
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 654 SPIRES ST, VISTA, CA 92083-3432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Apr 11, 2019 | Loan Modification, Mortgage · FHA Mortgage GUILD MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 19, 2012 · Amount on Record |
| Deed Sale | Jan 19, 2012 · Amount on Record |
| Prior Sale | Mar 25, 2004 · Amount on Record |
| Deed Document Number | 201230796 |
| Prior Transfer Date | Apr 25, 2005 |
| Prior Transfer Doc | 0000387850 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 654 SPIRES ST, VISTA, CA 92083-3432 |
| Document Number | 0000213467 |
| Instrument Date | Apr 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 654 SPIRES ST VISTA CA 920833432, VISTA, CA 92083-3432 |
| Document Number | 0000213467 |
|---|---|
| Date | Jun 04, 2019 |
| Instrument | 213467 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 03, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 654 SPIRES ST, VISTA, CA 92083-3432 |
| Document Number | 0000219599 |
| Instrument Date | Apr 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 654 SPIRES ST VISTA CA 920833432, VISTA, CA 92083-3432 |
| Document Number | 0000219599 |
|---|---|
| Date | Jun 06, 2019 |
| Instrument | 219599 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92186 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 05, 2049 |
| Rate | 5% |
|---|
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Vista City |
| Unified School District | Vista Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $243,407 (+2%) Land $128,110 Building $115,297 | |
| 2025 | $3,393.00 (+6.77%) Homeowner's exemption | $238,636 (+4.04%) Land $125,599 Building $113,037 |
| 2023 | $3,178.00 (+0.25%) Homeowner's exemption | $229,372 Land $120,723 Building $108,649 |
| 2022 | $3,170.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730194031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force 1 of 2 on primary residences |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2011, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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