849 Valley Crest Dr, Vista, CA 92084 Property Records

San Diego County property record for 849 Valley Crest Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,206 sqft · built 1976
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Company Names on Record
Last Sale	$319,000 (Mar 2019)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`181-231-43-00`

Property Details

APN / Parcel Number

Primary APN	`181-231-43-00`
Alternative APN	`1812302100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1812302100
Street Address	849 VALLEY CREST DR
City	VISTA
State	CA
Zip	92084-6609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 27-11-3W NW 1/4 OF POR SW 1/4 OF NE 1/4 OF
Legal Range	03W
Legal Township	11
Legal Section	27
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2017
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 Company Names on Record
Mailing Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Aug 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Jan 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU
May 23, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Mar 12, 2019	Grant Deed, Transfer · Conventional Mortgage ONE STOP ENTERPRISES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2019 · Amount on Record
Deed Sale	Mar 12, 2019 · Amount on Record
Prior Sale	Jun 1, 1993 · Amount on Record
Deed Document Number	201988451
Last Transfer Date	Dec 29, 2024
Transfer Doc	0000011356
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Transaction Type	Mortgage
Record Updated	Dec 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000334144
Date	Dec 5, 2023
Instrument	2023-0334144

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000209710
Date	Aug 3, 2023
Instrument	2023-0209710

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 9, 2063

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Transaction Type	Mortgage
Record Updated	Feb 3, 2023
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000021496
Date	Jan 26, 2023
Instrument	2023-0021496

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2038

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000218716
Date	May 23, 2022
Instrument	2022-0218716

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000657301
Date	Oct 26, 2020
Instrument	2020-0657301

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2019
Property Address	849 VALLEY CREST DR, VISTA, CA 92084-6609
Document Number	0000088451
Instrument Date	Feb 19, 2019
Instrument	2019-0088451
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

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 with Right of Survivorship
Address	849 VALLEY CREST DR, VISTA, CA 92084-6609

Mortgage

Document Number	0000088452
Date	Mar 12, 2019
Instrument	2019-0088452

Lender

Name	ONE STOP ENTERPRISES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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		$362,959 (+2%) Land $208,788 Building $154,171
2025	$3,976.00 (+8.75%)	$355,844 (+4.04%) Land $204,695 Building $151,149
2023	$3,656.00 (+0.3%) Homeowner's exemption	$342,029 Land $196,748 Building $145,281
2022	$3,645.00

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	2 in force
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	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% 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 193 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 DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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