685 Monterey Ln, Vista, CA 92084 Property Records

San Diego County property record for 685 Monterey Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1981
Lot Size	0.264 acres (11,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Aug 2018)
Tax Bill	$7,334 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`173-521-41-00`

Property Details

APN / Parcel Number

Primary APN	`173-521-41-00`
Alternative APN	`1735200700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,692 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	11,487 sqft (0.264 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1735200700
Street Address	685 MONTEREY LN
City	VISTA
State	CA
Zip	92084-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 7 TR 009044
Legal Subdivision	77-8 VISTA
Legal Tract	009044
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	19205

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	685 MONTEREY LN, VISTA, CA 92084-3117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Apr 21, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST CHOICE LN SVCS
Aug 28, 2018	Grant Deed, Transfer · FHA Mortgage BAY EQUITY
Apr 25, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Prior Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	2018355106
Prior Transfer Date	Nov 2, 1994
Prior Transfer Doc	0000647487
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	685 MONTEREY LN, VISTA, CA 92084-3117
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 MONTEREY LN, VISTA, CA 92084-3117

Mortgage

Document Number	0000324878
Date	Apr 27, 2021
Instrument	2021-0324878

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	685 MONTEREY LN, VISTA, CA 92084-3117
Document Number	0000244587
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	685 MONTEREY LN VISTA CA 920843117, VISTA, CA 92084-3117

Mortgage

Document Number	0000244587
Date	May 14, 2020
Instrument	244587

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2018
Property Address	685 MONTEREY LN, VISTA, CA 92084-3117
Document Number	0000355106
Instrument Date	Aug 2, 2018
Instrument	355106
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	GUARDIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	685 MONTEREY LN VISTA CA 920843117, VISTA, CA 92084-3117

Mortgage

Document Number	355107
Date	Aug 28, 2018
Instrument	355107

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 25, 2017
Property Address	685 MONTEREY LN, VISTA, CA 92084-3117
Document Number	0000185321
Instrument Date	Apr 5, 2017
Instrument	185321
Transaction Type	Foreclosure
Record Updated	May 1, 2017

Transaction

Amount	Amount Recorded
Tax	$418.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2088 OTAY LAKES RD #102 CHULA VISTA CA 919131370, 102, CHULA VISTA, CA 91913-1370

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		$591,665 (+2%) Land $384,293 Building $207,372
2025	$7,334.00 (+7.71%)	$580,064 (+4.04%) Land $376,758 Building $203,306
2023	$6,809.00 (+0.22%)	$557,541 Land $362,129 Building $195,412
2022	$6,794.00

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 Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	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, San Diego Broadband, T-Mobile.

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