860 Ora Avo Dr, Vista, CA 92084 Property Records

San Diego County property record for 860 Ora Avo Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,559 sqft · built 1964
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$1,315,000 (Aug 2024)
Tax Bill	$15,431 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`181-241-03-00`

Property Details

APN / Parcel Number

Primary APN	`181-241-03-00`
Alternative APN	`1812403500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,559 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	1812403500
Street Address	860 ORA AVO DR
City	VISTA
State	CA
Zip	92084-6540
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
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

860 Ora Avo Dr is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	860 ORA AVO DR, VISTA, CA 92084-6540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit GREAT LAKES CU
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 14, 2019	Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC
May 10, 2017	Grant Deed, Transfer · FHA Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2024 · Amount on File
Deed Sale	Aug 6, 2024 · Amount on File
Prior Sale	May 10, 2017 · Amount on File
Deed Document Number	2024208243
Prior Transfer Date	Sep 21, 1999
Prior Transfer Doc	0000698816
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ORA AVO DR, VISTA, CA 92084-6540

Mortgage

Document Number	0000287006
Date	Oct 15, 2025
Instrument	2025-0287006

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ORA AVO DR, VISTA, CA 92084-6540

Mortgage

Document Number	0000147228
Date	Apr 4, 2022
Instrument	2022-0147228

Lender

Name	GREAT LAKES CU
Type	Credit Union
Address	NORTH CHICAGO, IL 60064

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 3, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ORA AVO DR, VISTA, CA 92084-6540

Mortgage

Document Number	0000809760
Date	Nov 24, 2021
Instrument	2021-0809760

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ORA AVO DR, VISTA, CA 92084-6540

Mortgage

Document Number	0000220317
Date	Mar 22, 2021
Instrument	2021-0220317

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092258
Date	Mar 14, 2019
Instrument	2019-0092258

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2017
Property Address	860 ORA AVO DR, VISTA, CA 92084-6540
Document Number	0000210331
Instrument Date	Apr 25, 2017
Instrument	2017-0210331
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE

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	860 ORA AVO DR, VISTA, CA 92084-6540

Mortgage

Document Number	0000210332
Date	May 10, 2017
Instrument	2017-0210332

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 860 Ora Avo Dr was $15,431.

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		$1,341,300 (+2%) Land $918,000 Building $423,300
2025	$15,431.00 Homeowner's exemption	$1,315,000 Land $900,000 Building $415,000
2023	$7,783.00 (+0.22%)	$659,267 Land $325,755 Building $333,512
2022	$7,766.00

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

Flood

FEMA maps place 860 Ora Avo Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 860 Ora Avo Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% 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 160 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	100 / 20

May also be available: Verizon.

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