1091 Duncan Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 1091 Duncan Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,303 sqft · built 2016
Lot Size	0.244 acres (10,643 sqft)
Owner	2 Company Names on File
Last Sale	$2,025,000 (Jun 2026)
Tax Bill	$23,493 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2026 Sale + 9 more
Flood Zone	Zone X (minimal risk)
APN	`679-323-21-00`

Property Details

APN / Parcel Number

Primary APN	`679-323-21-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,303 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	10,643 sqft (0.244 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1091 DUNCAN CT
City	SAN MARCOS
State	CA
Zip	92078-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 21 TR 015949
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	015949
Legal Block	4
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

1091 Duncan Ct is owned by a company that bought it in June 2026.

Source: San Diego County records, as of October 6, 2026

Owner of Record	2 Company Names on File
Mailing Address	1100 JASPER CT, SAN MARCOS, CA 92078-1160
Owner Type	Company
Vesting	Life Tenant

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
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 30, 2026	Grant Deed, Transfer LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY
Mar 19, 2024	Grant Deed, Transfer · Conventional Mortgage EAST WEST BANK
Aug 2, 2022	Intrafamily Transfer, Transfer TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH
Aug 2, 2022	Grant Deed, Transfer · Conventional Mortgage AMERIS BANK
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
May 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
May 4, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 19, 2020	Quit Claim Deed, Transfer LAWYERS TITLE-BURBANK
Feb 19, 2020	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Mar 19, 2024 · Amount on File
Deed Document Number	2026187139
Prior Transfer Date	Mar 29, 2021
Prior Transfer Doc	0000344690
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2026
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000280553
Instrument Date	Sep 23, 2026
Instrument	2026280553
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000280553,
Date	Sep 28, 2026
Instrument	2026280553

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

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

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 30, 2026
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000187139
Instrument Date	May 21, 2026
Instrument	2026187139
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$224,977.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1100 JASPER CT, SAN MARCOS, CA 92078-1160

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2024
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000068431
Map Reference	MAP 15949
Instrument Date	Feb 21, 2024
Instrument	2024-0068431
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY

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
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000068432
Date	Mar 19, 2024
Instrument	2024-0068432

Lender

Name	EAST WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Apr 1, 2034
Change Frequency	Monthly
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Margin	2
Max Rate	12.8%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 2, 2022
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000313433
Map Reference	MAP 15949
Instrument Date	Jun 28, 2022
Instrument	2022-0313433
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 2, 2022
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000313434
Map Reference	MAP 15949
Instrument Date	Jun 27, 2022
Instrument	2022-0313434
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	Tenants in Common
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000313435
Date	Aug 2, 2022
Instrument	2022-0313435

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	7.87%
Index	Other
Max Rate	10.8%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000240696
Date	Jun 8, 2022
Instrument	2022-0240696

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2021
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000344690
Map Reference	MAP 15949
Instrument Date	Mar 29, 2021
Instrument	2021-0344690
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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
Relationship	Joint Tenants
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000344691
Date	May 4, 2021
Instrument	2021-0344691

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2021
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000344692
Map Reference	MAP 15949
Instrument Date	Mar 29, 2021
Instrument	2021-0344692
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Revocable Trust
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 19, 2020
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000084004
Instrument Date	Feb 7, 2020
Instrument	84004
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	LAWYERS TITLE-BURBANK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1091 DUNCAN CT SAN MARCOS CA 920781046, SAN MARCOS, CA 92078-1046

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 19, 2020
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000084006
Map Reference	MAP 15949
Instrument Date	Feb 7, 2020
Instrument	2020-0084006
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	ACCOMMODATION

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
Relationship	Revocable Trust
Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2018
Property Address	1091 DUNCAN CT, SAN MARCOS, CA 92078-1046
Document Number	0000083932
Instrument Date	Feb 19, 2018
Instrument	83932
Transaction Type	Transfer
Record Updated	Mar 9, 2018
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	1091 DUNCAN CT SAN MARCOS CA 920781046, SAN MARCOS, CA 92078-1046

Tax Assessment & Valuation

The 2025 property tax bill for 1091 Duncan Ct was $23,493.

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		$2,080,800 (+2%) Land $1,300,500 Building $780,300
2025	$23,493.00 Homeowner's exemption	$2,040,000 Land $1,275,000 Building $765,000
2023	$22,397.00 (+60.56%)	$2,010,000 Land $1,449,000 Building $561,000
2022	$13,949.00

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

Flood

FEMA maps place 1091 Duncan Ct 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 1091 Duncan Ct is high, ranking above 80% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.3% 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	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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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