1669 Reflection St, San Marcos, CA 92078 Property Records

San Diego County property record for 1669 Reflection St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,407 sqft · built 2004
Lot Size	0.298 acres (12,968 sqft)
Owner	2 Individuals on Record
Last Sale	$649,000 (Jan 2005)
Tax Bill	$13,806 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Nov 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`679-201-17-00`

Property Details

APN / Parcel Number

Primary APN	`679-201-17-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,407 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	12,968 sqft (0.298 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1669 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 17 TR 014655
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014655
Legal Block	1
Legal Lot Number	17
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	20043

Owner

Source: San Diego County assessment roll, 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 Individuals on Record
Mailing Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
Nov 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAPPHIRE FAMILY HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2005 · Amount on Record
Deed Sale	Jan 14, 2005 · Amount on Record
Deed Document Number	200540944
Last Transfer Date	Nov 27, 2020
Transfer Doc	0000032707
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2026
Property Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000088957
Instrument Date	Mar 27, 2026
Instrument	202688957
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000088957,
Date	Apr 1, 2026
Instrument	202688957

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jan 22, 2027

Interest

Rate	5.98%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000313462
Date	Nov 6, 2025
Instrument	2025-0313462

Lender

Name	SOFI BANK NA
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413134
Date	Jul 28, 2020
Instrument	2020-0413134

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1669 REFLECTION ST, SAN MARCOS, CA 92078-1065
Document Number	0000706236
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1669 REFLECTION ST SAN MARCOS CA 920781065, SAN MARCOS, CA 92078-1065

Mortgage

Document Number	0000706236
Date	Nov 12, 2020
Instrument	706236

Lender

Name	SAPPHIRE FAMILY HOLDINGS LLC
Address	807 E MISSION RD, SAN MARCOS, CA 92069-3002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,006,358 (+2%) Land $490,509 Building $515,849
2025	$13,806.00 (+5.73%)	$986,627 (+4.04%) Land $480,892 Building $505,735
2023	$13,058.00 (+1.68%) Homeowner's exemption	$948,317 Land $462,219 Building $486,098
2022	$12,842.00

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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