846 Vista Point Cir, Vista, CA 92084 Property Records

San Diego County property record for 846 Vista Point Cir, Vista, CA 92084

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Aug 2025)
Tax Bill	$5,780 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181-310-22-00`

Property Details

APN / Parcel Number

Primary APN	`181-310-22-00`

Exterior

Lot Area	41,382 sqft (0.95 acres)

Location & Zoning

Street Address	VISTA POINT CIR
City	VISTA
State	CA
Zip	92084
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RR
Legal Description	LOT 22 ST CLSD ADJ& TR 013999
Legal Subdivision	SAN DIEGO #5111-1
Legal Tract	013999
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1019
Census Tract	19208

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	918 BLOOMFIELD AVE, SAN MARCOS, CA 92078-5361
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Construction Mortgage ZIONS BANCORPORATION NA
Mar 28, 2022	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Feb 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	2025213763
Prior Transfer Date	Mar 21, 2022
Prior Transfer Doc	0000144538
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2026
Property Address	VISTA POINT CIR, VISTA, CA 92084
Document Number	0000199678
Instrument Date	Jul 11, 2026
Instrument	2026199678
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 BLOOMFIELD AVE, SAN MARCOS, CA 92078-5361

Mortgage

Document Number	0000199678,
Date	Jul 13, 2026
Instrument	2026199678

Lender

Name	ZIONS BANCORPORATION NA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2022
Property Address	846 VISTA POINT CIR, VISTA, CA 92084-6666
Document Number	0000134847
Map Reference	MAP 13999
Instrument Date	Feb 15, 2022
Instrument	2022-0134847
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property
Address	846 VISTA POINT CIR, VISTA, CA 92084-6666

Mortgage

Document Number	0000134848
Date	Mar 28, 2022
Instrument	2022-0134848

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 19, 2020
Property Address	846 VISTA POINT CIR, VISTA, CA 92084-6666
Document Number	0000083630
Instrument Date	Feb 15, 2020
Instrument	83630
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2414 UNICORNIO ST CARLSBAD CA 920095320, CARLSBAD, CA 92009-5320

Tax Assessment & Valuation

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		$515,000 (+1.1%) Land $515,000
2025	$5,780.00 (+8.63%)	$509,379 (+4.04%) Land $509,379
2023	$5,321.00 (+139.04%)	$489,600 Land $489,600
2022	$2,226.00

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	5 in force
Nearby Flood Claims	2 (1998–1999)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1999 · 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	Moderate above 61% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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