946 Osborne St, Vista, CA 92084 Property Records

San Diego County property record for 946 Osborne St, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 983 sqft · built 1958
Lot Size	0.97 acres (42,253 sqft)
Owner	Individual Name on File
Last Sale	$891,000 (Jun 2026)
Tax Bill	$7,860 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171-350-09-00`

Property Details

APN / Parcel Number

Primary APN	`171-350-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	983 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	42,253 sqft (0.97 acres)

Location & Zoning

Street Address	946 OSBORNE ST
City	VISTA
State	CA
Zip	92084-1809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 7-11-3W NE 1/4 OF POR SW 1/4 OF NE 1/4 OF
Legal Range	03W
Legal Township	11
Legal Section	07
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	19203

Owner

946 Osborne St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	946 OSBORNE ST, VISTA, CA 92084-1809
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
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jun 18, 2026	Grant Deed, Transfer · Conventional Mortgage FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jun 20, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Feb 5, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Feb 5, 2021 · Amount on File
Deed Document Number	2026176726
Prior Transfer Date	Oct 15, 2005
Prior Transfer Doc	0000900856
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	946 OSBORNE ST, VISTA, CA 92084-1809
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 OSBORNE ST, VISTA, CA 92084-1809

Mortgage

Document Number	0000401735
Date	May 27, 2021
Instrument	2021-0401735

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

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

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2026
Property Address	946 OSBORNE ST, VISTA, CA 92084-1809
Document Number	0000176726
Instrument Date	Jun 3, 2026
Instrument	2026176726
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,990.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	946 OSBORNE ST, VISTA, CA 92084-1809

Mortgage

Document Number	0000176727,
Date	Jun 18, 2026
Instrument	2026176727

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2026
Property Address	946 OSBORNE ST, VISTA, CA 92084-1809
Document Number	0000114094
Instrument Date	Mar 27, 2026
Instrument	2026114094
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 OSBORNE ST, VISTA, CA 92084-1809

Mortgage

Document Number	0000114094,
Date	Apr 23, 2026
Instrument	2026114094

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	5.98%
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	946 OSBORNE ST, VISTA, CA 92084-1809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000242211
Date	Jun 20, 2019
Instrument	2019-0242211

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 5, 2021
Property Address	946 OSBORNE ST, VISTA, CA 92084-1809
Document Number	0000091557
Instrument Date	Jan 28, 2021
Instrument	2021-0091557
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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
Address	946 OSBORNE ST, VISTA, CA 92084-1809

Tax Assessment & Valuation

The 2025 property tax bill for 946 Osborne St was $7,860, up 6% from the year before.

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		$706,609 (+2%) Land $601,723 Building $104,886
2025	$7,860.00 (+6.04%)	$692,755 Land $589,925 Building $102,830
2024	$7,412.00 (+2.46%)
2023	$7,234.00 (+0.25%)	$665,856 Land $567,018 Building $98,838
2022	$7,216.00

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

Flood

FEMA maps place 946 Osborne St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	3 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · 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

Wildfire risk around 946 Osborne St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: San Diego Broadband.

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