1644 Archer Rd, San Marcos, CA 92078 Property Records

San Diego County property record for 1644 Archer Rd, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,098 sqft · built 2002
Lot Size	0.234 acres (10,177 sqft)
Owner	2 Individual Names on File
Last Sale	$1,170,000 (Jun 2021)
Tax Bill	$16,276 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`223-430-06-00`

Property Details

APN / Parcel Number

Primary APN	`223-430-06-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,098 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	10,177 sqft (0.234 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1644 ARCHER RD
City	SAN MARCOS
State	CA
Zip	92078-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 6 TR 014119
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	014119
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3010
Census Tract	20044

Owner

1644 Archer Rd is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Occupancy	Owner Occupied
Owner Type	Individual

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 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 9, 2021	Grant Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 23, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Feb 13, 2020	Deed of Trust, Mortgage · Line of Credit BBVA USA
Mar 12, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	Dec 7, 2015 · Amount on File
Deed Document Number	2021427821
Prior Transfer Date	Nov 24, 2020
Prior Transfer Doc	0000193584
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006

Mortgage

Document Number	0000353172
Date	Sep 6, 2022
Instrument	2022-0353172

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 24, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 9, 2021
Property Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Document Number	0000427821
Map Reference	MAP 14119
Instrument Date	May 26, 2021
Instrument	2021-0427821
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	LAWYERS TITLE

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	Community Property with Right of Survivorship
Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006

Mortgage

Document Number	0000427822
Date	Jun 9, 2021
Instrument	2021-0427822

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000427823
Date	Jun 9, 2021
Instrument	2021-0427823

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000384591
Date	Aug 23, 2017
Instrument	2017-0384591

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 17, 2037

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly
Max Rate	17.7%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074726
Date	Feb 13, 2020
Instrument	2020-0074726

Lender

Name	BBVA USA
Type	Bank
Address	HOUSTON, TX 77210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2021
Property Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006
Document Number	0000193584
Map Reference	MAP 14119
Instrument Date	Nov 24, 2020
Instrument	2021-0193584
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 ARCHER RD, SAN MARCOS, CA 92078-1006

Tax Assessment & Valuation

The 2025 property tax bill for 1644 Archer Rd was $16,276.

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		$1,291,772 (+2%) Land $960,549 Building $331,223
2025	$16,276.00	$1,266,444 Land $941,715 Building $324,729
2023	$15,284.00 (+1.77%)	$1,217,268 Land $905,148 Building $312,120
2022	$15,018.00

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

Flood

FEMA maps place 1644 Archer Rd 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 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 1644 Archer Rd is moderate, ranking above 47% 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 47% of the US · lower than 72% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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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