1659 Reflection St, San Marcos, CA 92078 Property Records

San Diego County property record for 1659 Reflection St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,605 sqft · built 2004
Lot Size	0.137 acres (5,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,537,000 (Mar 2022)
Tax Bill	$21,213 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`679-201-30-00`

Property Details

APN / Parcel Number

Primary APN	`679-201-30-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,605 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	5,947 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1659 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 19 TR 014654
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014654
Legal Block	1
Legal Lot Number	19
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	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DOLAN GADDI LENDING INC
Mar 22, 2022	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on Record
Deed Sale	Mar 22, 2022 · Amount on Record
Prior Sale	Nov 26, 2008 · Amount on Record
Deed Document Number	2022126992
Prior Transfer Date	Jul 12, 2016
Prior Transfer Doc	0000367932
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 TETHER LN, PARAMUS, NJ 07652-1856

Mortgage

Document Number	0000338059
Date	Aug 23, 2022
Instrument	2022-0338059

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	477 Months
Due	May 16, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000286805
Date	Oct 14, 2025
Instrument	2025-0286805

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company
Address	CARLSBAD, CA 92009

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2022
Property Address	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000126992
Map Reference	MAP 14654
Instrument Date	Mar 3, 2022
Instrument	2022-0126992
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	LAWYERS 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	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000126993
Date	Mar 22, 2022
Instrument	2022-0126993

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1659 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000477403
Instrument Date	Oct 4, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 REFLECTION ST SAN MARCOS CA 920781065, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000477403
Date	Oct 16, 2017
Instrument	477403

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2037

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		$1,663,685 (+2%) Land $1,082,424 Building $581,261
2025	$21,213.00 (+17.71%)	$1,631,064 (+17.51%) Land $1,061,200 Building $569,864
2023	$18,022.00 (+82.61%)	$1,388,000 Land $903,000 Building $485,000
2022	$9,869.00

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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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