1655 Reflection St, San Marcos, CA 92078 Property Records

San Diego County property record for 1655 Reflection St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,457 sqft · built 2004
Lot Size	0.19 acres (8,262 sqft)
Owner	2 Company Names on Record
Last Sale	$680,000 (Nov 2005)
Tax Bill	$13,635 (2025)
Deeds & Mortgages	Mar 2026 Transfer Oct 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`679-201-28-00`

Property Details

APN / Parcel Number

Primary APN	`679-201-28-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,457 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	8,262 sqft (0.19 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1655 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 21 TR 014654
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014654
Legal Block	1
Legal Lot Number	21
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 Company Names on Record
Mailing Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Intrafamily Transfer, Transfer
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Dec 24, 2018	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Jul 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2005 · Amount on Record
Deed Sale	Nov 1, 2005 · Amount on Record
Prior Sale	Apr 30, 2004 · Amount on Record
Deed Document Number	2005949020
Last Transfer Date	Mar 18, 2026
Transfer Doc	0000080186
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2026
Property Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000080186
Map Reference	MAP 14654
Instrument Date	Mar 18, 2026
Instrument	2026-0080186
Transaction Type	Transfer
Record Updated	Apr 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000279899
Date	Oct 8, 2025
Instrument	2025-0279899

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275537
Date	Jun 20, 2017
Instrument	2017-0275537

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CALIFOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000525960
Date	Dec 24, 2018
Instrument	2018-0525960

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1655 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000313433
Date	Jul 30, 2019
Instrument	2019-0313433

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1655 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

Mortgage

Document Number	0000343050
Date	Jun 30, 2020
Instrument	2020-0343050

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	BIRMINGHAM, AL 35233

Agreement

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

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		$1,001,574 (+2%) Land $465,313 Building $536,261
2025	$13,635.00 (+5.83%) Homeowner's exemption	$981,937 (+4.04%) Land $456,190 Building $525,747
2023	$12,884.00 (+1.69%) Homeowner's exemption	$943,810 Land $438,477 Building $505,333
2022	$12,670.00

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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