San Diego County property record for 745 Carmel Cir, Vista, CA 92084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 1977 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $308,000 (Sep 2002) |
| Tax Bill | $3,153 (2025) |
| Deeds & Mortgages | May 2024 Second Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 173-460-20-00 |
| Primary APN | 173-460-20-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,426 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 8,250 sqft (0.189 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 745 CARMEL CIR |
|---|---|
| City | VISTA |
| State | CA |
| Zip | 92084-3113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-B |
| Legal Description | LOT 20 TR 008229 |
| Legal Subdivision | VISTA #74-4 |
| Legal Tract | 008229 |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 19205 |
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 | 745 CARMEL CIR, VISTA, CA 92084-3113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jan 28, 2021 | Deed of Trust, Mortgage · VA Mortgage NEXERA HOLDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2002 · Amount on Record |
| Deed Sale | Sep 23, 2002 · Amount on Record |
| Deed Document Number | 2002815950 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 CARMEL CIR, VISTA, CA 92084-3113 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 745 CARMEL CIR, VISTA, CA 92084-3113 |
| Document Number | 0000113174 |
|---|---|
| Date | May 6, 2024 |
| Instrument | 2024-0113174 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 117 Months |
| Due | Feb 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 CARMEL CIR, VISTA, CA 92084-3113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 745 CARMEL CIR, VISTA, CA 92084-3113 |
| Document Number | 0000065567 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2021-0065567 |
| Name | NEXERA HOLDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | EMERYVILLE, CA 94608 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Vista City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $454,974 (+2%) Land $159,534 Building $295,440 | |
| 2025 | $3,153.00 (+5.59%) | $446,054 (+4.04%) Land $156,406 Building $289,648 |
| 2023 | $2,986.00 (-35.63%) Homeowner's exemption | $428,735 Land $150,334 Building $278,401 |
| 2022 | $4,639.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 549 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 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks, Orion Broadband, San Diego Broadband, T-Mobile, Verizon.
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