San Diego County property record for 1605 Reflection St, San Marcos, CA 92078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,575 sqft · built 2004 |
| Lot Size | 0.184 acres (8,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,510,000 (Jan 2025) |
| Tax Bill | $17,133 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Nov 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 679-200-20-00 |
| Primary APN | 679-200-20-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,575 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 8,017 sqft (0.184 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 1605 REFLECTION ST |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92078-1065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPA |
| Legal Description | LOT 20 TR 014653 |
| Legal Subdivision | SAN MARCOS THE QUORUM |
| Legal Tract | 014653 |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 20043 |
Source: San Diego County records · APN 679-200-20-00
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Oct 29, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 17, 2017 | Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU |
| Oct 04, 2018 | Deed of Trust, Mortgage · ARM SAN DIEGO COUNTY CU |
| Dec 11, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 22, 2025 · Amount on Record |
| Deed Sale | Jan 22, 2025 · Amount on Record |
| Prior Sale | Oct 29, 2021 · Amount on Record |
| Deed Document Number | 202517531 |
| Prior Transfer Date | Nov 15, 2019 |
| Prior Transfer Doc | 0000576674 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 29, 2021 |
| Property Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Document Number | 0000753242 |
| Map Reference | MAP 14653 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2021-0753242 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Investor | Possibly a Property Investor |
| Document Number | 0000753243 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021-0753243 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000538898 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 2017-0538898 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 10, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Index | Prime Rate |
| Max Rate | 17.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414383 |
|---|---|
| Date | Oct 04, 2018 |
| Instrument | 2018-0414383 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92196 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Nov 01, 2023 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 5-Year CMT |
| Max Rate | 8.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 11, 2019 |
| Property Address | 1605 REFLECTION ST, SAN MARCOS, CA 92078-1065 |
| Document Number | 0000576674 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 576674 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1605 REFLECTION ST SAN MARCOS CA 920781065, SAN MARCOS, CA 92078-1065 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Marcos City |
| Unified School District | San Marcos Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,540,200 (+18.96%) Land $1,045,500 Building $494,700 | |
| 2025 | $17,133.00 (+6.22%) | $1,294,672 (+4.04%) Land $912,638 Building $382,034 |
| 2023 | $16,130.00 (+1.7%) Homeowner's exemption | $1,244,400 Land $877,200 Building $367,200 |
| 2022 | $15,861.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Spectrum Cable | 1,000 / 50 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 715 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VALLECITOS WD serves 114,700 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2022 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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