732 Osborne St, Vista, CA 92084 Property Records

San Diego County property record for 732 Osborne St, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1953
Lot Size	0.442 acres (19,249 sqft)
Owner	2 Trust Names on File
Last Sale	$825,000 (Dec 2025)
Tax Bill	$5,379 (2025)
Deeds & Mortgages	Feb 2021 Reverse Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171-031-05-00`

Property Details

APN / Parcel Number

Primary APN	`171-031-05-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,036 sqft Living Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	19,249 sqft (0.442 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	732 OSBORNE ST
City	VISTA
State	CA
Zip	92084-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 7-11-3W NW 1/4 POR NE 1/4 OF
Legal Range	03W
Legal Township	11
Legal Section	07
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	19203

Owner

732 Osborne St is held in a trust since December 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	2011 OHIO AVE, GREAT LAKES, IL 60088-4222
Owner Type	Company
Vesting	Trust

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 24, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 11, 2025	Grant Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Apr 19, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Aug 12, 2005 · Amount on File
Deed Document Number	2025350544
Prior Transfer Date	Feb 14, 2022
Prior Transfer Doc	0000170407
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	732 OSBORNE ST, VISTA, CA 92084-1804
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 OSBORNE ST, VISTA, CA 92084-1804

Mortgage

Document Number	0000143350
Date	Feb 24, 2021
Instrument	2021-0143350

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	933 Months
Due	Nov 8, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2025
Property Address	732 OSBORNE ST, VISTA, CA 92084-1804
Document Number	0000350544
Instrument Date	Nov 17, 2025
Instrument	2025-0350544
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	WFG NATIONAL TITLE COMPANY

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	4635 CHARLES DR, OCEANSIDE, CA 92057
Investor	Possibly a Property Investor

Mortgage

Document Number	0000350545
Date	Dec 11, 2025
Instrument	2025-0350545

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2022
Property Address	732 OSBORNE ST, VISTA, CA 92084-1804
Document Number	0000170407
Instrument Date	Feb 14, 2022
Instrument	2022-0170407
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	732 OSBORNE ST, VISTA, CA 92084-1804

Tax Assessment & Valuation

The 2025 property tax bill for 732 Osborne St was $5,379.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$825,000 (+71.85%) Land $650,000 Building $175,000
2025	$5,379.00 Homeowner's exemption	$480,080 Land $295,434 Building $184,646
2023	$4,947.00 (+0.28%) Homeowner's exemption	$461,440 Land $283,963 Building $177,477
2022	$4,933.00

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

Flood

FEMA maps place 732 Osborne St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	3 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · 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 732 Osborne St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 172 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: San Diego Broadband.

Nearby Properties on Osborne St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures