1615 Reflection St, San Marcos, CA 92078 Property Records

San Diego County property record for 1615 Reflection St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,238 sqft · built 2004
Lot Size	0.179 acres (7,777 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,000 (Jun 2010)
Tax Bill	$10,195 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`679-200-16-00`

Property Details

APN / Parcel Number

Primary APN	`679-200-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,238 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	7,777 sqft (0.179 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1615 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 16 TR 014653
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014653
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1012
Census Tract	20043

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit AUGUSTA FINANCIAL LLC
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2010 · Amount on Record
Deed Sale	Jun 23, 2010 · Amount on Record
Prior Sale	Dec 19, 2005 · Amount on Record
Deed Document Number	2010315128
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2026
Property Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000160133
Instrument Date	May 27, 2026
Instrument	2026160133
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065
Investor	Possibly a Property Investor

Mortgage

Document Number	0000160133,
Date	Jun 4, 2026
Instrument	2026160133

Lender

Name	AUGUSTA FINANCIAL LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000482622
Date	Jul 6, 2021
Instrument	2021-0482622

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000658442
Date	Oct 27, 2020
Instrument	2020-0658442

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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		$696,482 (+2%) Land $370,051 Building $326,431
2025	$10,195.00 (+5.31%) Homeowner's exemption	$682,827 (+4.04%) Land $362,796 Building $320,031
2023	$9,681.00 (+1.7%) Homeowner's exemption	$656,313 Land $348,709 Building $307,604
2022	$9,519.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

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

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 Fixed Wireless	100 / 20

May also be available: Verizon.

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