185 N Echo Ln, San Marcos, CA 92069 Property Records

San Diego County property record for 185 N Echo Ln, San Marcos, CA 92069

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 2,408 sqft · built 1960
Lot Size	0.194 acres (8,430 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Oct 2018)
Tax Bill	$4,121 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`220-120-12-00`

Property Details

APN / Parcel Number

Primary APN	`220-120-12-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	3 Units
Building Area	2,408 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Multi-Family
Lot Area	8,430 sqft (0.194 acres)

Location & Zoning

Street Address	185 N ECHO LN
City	SAN MARCOS
State	CA
Zip	92069-2724
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	OP
Legal Description	BLK 61 LOT 8 WLY 75 FT OF NLY 104 FT OF SLY 290.4 FT OF TR 000806
Legal Subdivision	RANCHO LOS VALLECITOS DE SAN M
Legal Tract	000806
Legal Block	61
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	20029

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	Company Name on Record
Mailing Address	1285 STONE DR, 104, SAN MARCOS, CA 92078-4079
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage HOME BANK OF CALIFORNIA
Oct 24, 2018	Grant Deed, Transfer · Conventional with PMI HOME BK/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	May 7, 2009 · Amount on Record
Deed Document Number	2018444463
Prior Transfer Date	Mar 6, 1995
Prior Transfer Doc	0000099396
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 N ECHO LN, SAN MARCOS, CA 92069-2724
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 STONE DR 104, 104, SAN MARCOS, CA 92078-4079

Mortgage

Document Number	0000152345
Date	Apr 7, 2022
Instrument	2022-0152345

Lender

Name	HOME BANK OF CALIFORNIA
Type	Bank
Address	SAN DIEGO, CA 92123

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2018
Property Address	185 N ECHO LN, SAN MARCOS, CA 92069-2724
Document Number	0000444463
Instrument Date	Sep 21, 2018
Instrument	444463
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1285 STONE DR #104 SAN MARCOS CA 920784079, 104, SAN MARCOS, CA 92078-4079

Mortgage

Document Number	444464
Date	Oct 24, 2018
Instrument	444464

Lender

Name	HOME BK/CA
Type	Bank
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$364,098 (+2%) Land $273,076 Building $91,022
2025	$4,121.00 (+7.6%)	$356,960 (+4.04%) Land $267,722 Building $89,238
2023	$3,830.00 (+1.38%)	$343,101 Land $257,327 Building $85,774
2022	$3,778.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1980–1999)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1999 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile, Verizon.

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