657 Cantara Ln, Vista, CA 92081 Property Records

San Diego County property record for 657 Cantara Ln, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,600 sqft · built 1992
Lot Size	0.167 acres (7,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (May 2022)
Tax Bill	$13,015 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`166-521-52-00`

Property Details

APN / Parcel Number

Primary APN	`166-521-52-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,600 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	7,257 sqft (0.167 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	657 CANTARA LN
City	VISTA
State	CA
Zip	92081-6357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	LOT 90 TR 012583
Legal Subdivision	VISTA 89-04 PH I
Legal Tract	012583
Legal Block	1
Legal Lot Number	90
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1009
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	657 CANTARA LN, VISTA, CA 92081-6357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Grant Deed, Transfer · Conventional Mortgage SAN DIEGO COUNTY CU
Apr 6, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jun 16, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jul 12, 2019	Grant Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2022207448
Prior Transfer Date	Feb 21, 2003
Prior Transfer Doc	0000377187
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2022
Property Address	657 CANTARA LN, VISTA, CA 92081-6357
Document Number	0000207448
Map Reference	MAP 12583
Instrument Date	May 6, 2022
Instrument	2022-0207448
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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	657 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000207449
Date	May 13, 2022
Instrument	2022-0207449

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000265176
Date	Apr 6, 2021
Instrument	2021-0265176

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 CANTARA LN, VISTA, CA 92081-6357
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000309783
Date	Jun 16, 2020
Instrument	2020-0309783

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 12, 2019
Property Address	657 CANTARA LN, VISTA, CA 92081-6357
Document Number	0000280227
Map Reference	MAP 12583
Instrument Date	Jun 27, 2019
Instrument	2019-0280227
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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	657 CANTARA LN, VISTA, CA 92081-6357

Mortgage

Document Number	0000280228
Date	Jul 12, 2019
Instrument	2019-0280228

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$1,100,000 (+0.92%) Land $763,000 Building $337,000
2025	$13,015.00 (+11.42%) Homeowner's exemption	$1,090,000 (+7.39%) Land $757,000 Building $333,000
2023	$11,681.00 (+44.69%) Homeowner's exemption	$1,015,000 Land $706,000 Building $309,000
2022	$8,073.00

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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