1651 Reflection St, San Marcos, CA 92078 Property Records

San Diego County property record for 1651 Reflection St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,605 sqft · built 2004
Lot Size	0.273 acres (11,911 sqft)
Owner	2 Individual Names on Record
Last Sale	$824,500 (Jul 2018)
Tax Bill	$13,229 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`679-200-39-00`

Property Details

APN / Parcel Number

Primary APN	`679-200-39-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,605 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	11,911 sqft (0.273 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1651 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 23 TR 014654
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014654
Legal Block	1
Legal Lot Number	23
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 21, 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	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 13, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 26, 2018	Deed of Trust, Mortgage HOWARD CONN MD INC PSP/TR (CT)
Mar 2, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	2018286960
Prior Transfer Date	Jun 7, 2004
Prior Transfer Doc	0000573129
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612884
Date	Dec 30, 2019
Instrument	2019-0612884

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000590031
Date	Aug 18, 2021
Instrument	2021-0590031

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2018
Property Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000286960
Map Reference	MAP 14654
Instrument Date	Jun 6, 2018
Instrument	2018-0286960
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000286961
Date	Jul 13, 2018
Instrument	2018-0286961

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000122429
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8908 RANCHO SANTA FE CA 920678908, RANCHO SANTA FE, CA 92067-8908

Mortgage

Document Number	0000122429
Date	Mar 28, 2018
Instrument	122429

Lender

Name	HOWARD CONN MD INC PSP/TR (CT)
Address	11770 BERNARDO PLAZA CT # 205, SAN DIEGO, CA 92128-2424

Agreement

Amount	Amount Recorded

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2018
Property Address	1651 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000083499
Instrument Date	Mar 1, 2018
Instrument	83499
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14677 VIA BETTONA #120 SAN DIEGO CA 921274809, 120, SAN DIEGO, CA 92127-4809

Tax Assessment & Valuation

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		$938,134 (+2%) Land $557,533 Building $380,601
2025	$13,229.00 (+5.47%) Homeowner's exemption	$919,740 (+4.04%) Land $546,601 Building $373,139
2023	$12,543.00 (+1.66%) Homeowner's exemption	$884,027 Land $525,377 Building $358,650
2022	$12,338.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 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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