1095 Duncan Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 1095 Duncan Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,303 sqft · built 2016
Lot Size	0.3 acres (13,060 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (Nov 2016)
Tax Bill	$13,124 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`679-323-23-00`

Property Details

APN / Parcel Number

Primary APN	`679-323-23-00`

Interior

Bedrooms	4 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	13,060 sqft (0.3 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1095 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 23 TR 015949
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	015949
Legal Block	4
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

1095 Duncan Ct is owned and occupied by two individuals who bought it in November 2016.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1095 DUNCAN CT, SAN MARCOS, CA 92078-1046
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
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage DOLAN GADDI LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2016 · Amount on File
Deed Sale	Nov 15, 2016 · Amount on File
Deed Document Number	2016623139
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1095 DUNCAN CT, SAN MARCOS, CA 92078-1046
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 DUNCAN CT, SAN MARCOS, CA 92078-1046

Mortgage

Document Number	0000467183
Date	Jun 28, 2021
Instrument	2021-0467183

Lender

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

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1095 DUNCAN CT, SAN MARCOS, CA 92078-1046
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000550798
Date	Nov 28, 2017
Instrument	2017-0550798

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1095 DUNCAN CT, SAN MARCOS, CA 92078-1046
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000550797
Date	Nov 28, 2017
Instrument	2017-0550797

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company
Address	CARLSBAD, CA 92011

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Duncan Ct was $13,124 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 21, 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		$1,129,261 (+2%) Land $487,312 Building $641,949
2025	$13,124.00 Homeowner's exemption	$1,107,119 Land $477,757 Building $629,362
2023	$12,179.00 (+10.84%) Homeowner's exemption	$1,064,130 Land $459,206 Building $604,924
2022	$10,988.00

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

Flood

FEMA maps place 1095 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 1095 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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