1816 Windriver St, San Marcos, CA 92078 Property Records

San Diego County property record for 1816 Windriver St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,411 sqft · built 2006
Lot Size	0.143 acres (6,231 sqft)
Owner	2 Individual Names on Record
Last Sale	$916,000 (Aug 2019)
Tax Bill	$14,450 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`679-210-02-00`

Property Details

APN / Parcel Number

Primary APN	`679-210-02-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,411 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	6,231 sqft (0.143 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1816 WINDRIVER ST
City	SAN MARCOS
State	CA
Zip	92078-1093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 17 TR 015173
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	015173
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 records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage DOLAN GADDI LENDING INC
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 12, 2019	Grant Deed, Transfer · Conventional Mortgage PENNYMAC
Mar 22, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	2019336916
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 7, 2026
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Document Number	0000095502
Instrument Date	Apr 2, 2026
Instrument	202695502
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	0000095502,
Date	Apr 7, 2026
Instrument	202695502

Lender

Name	DOLAN GADDI LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	0000064247
Date	Mar 14, 2024
Instrument	2024-0064247

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	0000218176
Date	May 20, 2022
Instrument	2022-0218176

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	PREMIUM TITLE INC, PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	0000113796
Date	Feb 12, 2021
Instrument	2021-0113796

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 12, 2019
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Document Number	0000336916
Instrument Date	Aug 7, 2019
Instrument	336916
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,007.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1816 WINDRIVER ST SAN MARCOS CA 920781093, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	336917
Date	Aug 12, 2019
Instrument	336917

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2017
Property Address	1816 WINDRIVER ST, SAN MARCOS, CA 92078-1093
Document Number	0000130380
Instrument Date	Feb 27, 2017
Instrument	130380
Transaction Type	Transfer
Record Updated	Mar 28, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1816 WINDRIVER ST SAN MARCOS CA 920781093, SAN MARCOS, CA 92078-1093

Mortgage

Document Number	130381
Date	Mar 22, 2017
Instrument	130381

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2047

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		$1,021,810 (+2%) Land $579,946 Building $441,864
2025	$14,450.00 (+7.02%) Homeowner's exemption	$1,001,775 (+4.04%) Land $568,575 Building $433,200
2023	$13,502.00 (+1.83%) Homeowner's exemption	$962,877 Land $546,498 Building $416,379
2022	$13,259.00

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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