754 Lazy Circle Dr, Vista, CA 92081 Property Records

San Diego County property record for 754 Lazy Circle Dr, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1979
Lot Size	0.226 acres (9,842 sqft)
Owner	Company Name on Record
Last Sale	$162,000 (Sep 1993)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169-240-17-00`

Property Details

APN / Parcel Number

Primary APN	`169-240-17-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	9,842 sqft (0.226 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	754 LAZY CIRCLE DR
City	VISTA
State	CA
Zip	92081-6745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	LOT 26 TR 008543
Legal Subdivision	VISTA 74-5 UN # 1
Legal Tract	008543
Legal Block	4
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4003
Census Tract	19702

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	Company Name on Record
Mailing Address	754 LAZY CIRCLE DR, VISTA, CA 92081-6745
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 25, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Aug 30, 2018	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 1993 · Amount on Record
Deed Sale	Sep 27, 1993 · Amount on Record
Prior Sale	Mar 30, 1990 · Amount on Record
Deed Document Number	1993636888
Last Transfer Date	Jul 26, 2012
Transfer Doc	0000529310
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	754 LAZY CIRCLE DR, VISTA, CA 92081-6745
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	754 LAZY CIRCLE DR, VISTA, CA 92081-6745

Mortgage

Document Number	0000292763
Date	Oct 20, 2025
Instrument	2025-0292763

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	754 LAZY CIRCLE DR, VISTA, CA 92081-6745
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399253
Date	Sep 25, 2018
Instrument	2018-0399253

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	754 LAZY CIRCLE DR, VISTA, CA 92081-6745
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000358998
Date	Aug 30, 2018
Instrument	2018-0358998

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	10.6%

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		$280,820 (+2%) Land $104,000 Building $176,820
2025	$3,792.00 (+7%) Homeowner's exemption	$275,314 (+4.04%) Land $101,961 Building $173,353
2023	$3,544.00 (+0.25%) Homeowner's exemption	$264,624 Land $98,002 Building $166,622
2022	$3,535.00

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 Policies	6 in force
Nearby Flood Claims	2 (1980–2020)
Claims Outside the SFHA	1 of 2
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 98% of the US · lower than 98.4% 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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