1046 Cima Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 1046 Cima Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,006 sqft · built 1978
Lot Size	0.387 acres (16,879 sqft)
Owner	2 Trust Names on File
Last Sale	$1,150,000 (Nov 2024)
Tax Bill	$13,174 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`222-420-01-00`

Property Details

APN / Parcel Number

Primary APN	`222-420-01-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,006 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	16,879 sqft (0.387 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1046 CIMA DR
City	SAN MARCOS
State	CA
Zip	92078-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	LOT 1 TR 008480
Legal Subdivision	RANCHO DE CIMA
Legal Tract	008480
Legal Block	4
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4004
Census Tract	20044

Owner

1046 Cima Dr is owner-occupied and held in a trust since November 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage FOUNDATION MORTGAGE CORP
Feb 14, 2024	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Nov 8, 2022	Deed of Trust, Mortgage · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
Apr 2, 2021	Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM TRUST COMPANY LLC
Jan 21, 2021	Affidavit of Death, Transfer ATTORNEY ONLY
Jan 27, 2020	Reverse Mortgage, Transfer POINT LOMA FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Oct 25, 2024 · Amount on File
Deed Document Number	2024318898
Prior Transfer Date	Jan 21, 2020
Prior Transfer Doc	0000042103
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306

Mortgage

Document Number	0000286137
Date	Oct 14, 2025
Instrument	2025-0286137

Lender

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

Agreement

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

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2024
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Document Number	0000037541
Map Reference	MAP 8480
Instrument Date	Jan 19, 2024
Instrument	2024-0037541
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306

Mortgage

Document Number	0000037542
Date	Feb 14, 2024
Instrument	2024-0037542

Lender

Name	FOUNDATION MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2024
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Document Number	0000037540
Map Reference	MAP 8480
Instrument Date	Jan 19, 2024
Instrument	2024-0037540
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1607, RUNNING SPRINGS, CA 92382-1607

Mortgage

Document Number	0000429298
Date	Nov 8, 2022
Instrument	2022-0429298

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	REDONDO BEACH, CA 90278

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Dec 1, 2023

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1607, RUNNING SPRINGS, CA 92382-1607

Mortgage

Document Number	0000256151
Date	Apr 2, 2021
Instrument	2021-0256151

Lender

Name	MILLENNIUM TRUST COMPANY LLC
Type	Non-Lending Institution
Address	OAK BROOK, IL 60523

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2021: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 21, 2021
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Document Number	0000047287
Instrument Date	Nov 13, 2020
Instrument	47287
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1046 CIMA DR SAN MARCOS CA 920781306, SAN MARCOS, CA 92078-1306

January 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 27, 2020
Property Address	1046 CIMA DR, SAN MARCOS, CA 92078-1306
Document Number	0000042103
Instrument Date	Jan 21, 2020
Instrument	42103
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1046 CIMA DR SAN MARCOS CA 920781306, SAN MARCOS, CA 92078-1306

Mortgage

Document Number	42104
Date	Jan 27, 2020
Instrument	42104

Lender

Name	POINT LOMA FNDG INC

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1046 Cima Dr was $13,174.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Marcos City
Unified School District	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,173,000 (+2%) Land $867,000 Building $306,000
2025	$13,174.00	$1,150,000 Land $850,000 Building $300,000
2023	$2,403.00 (+1.44%) Homeowner's exemption	$221,512 Land $49,045 Building $172,467
2022	$2,369.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1046 Cima Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 1046 Cima Dr is moderate, ranking above 50% of the US, with a 0.09% 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	0.09% annual chance
Exposure	Indirect within 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	VALLECITOS WD serves 114,700 people · EPA ID CA3710002
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 510 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications.

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