256 E Carmel St, San Marcos, CA 92078 Property Records

San Diego County property record for 256 E Carmel St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1970
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Dec 1994)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`220-261-47-00`

Property Details

APN / Parcel Number

Primary APN	`220-261-47-00`
Alternative APN	`2202613200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,350 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	33,977 sqft (0.78 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2202613200
Street Address	256 E CARMEL ST
City	SAN MARCOS
State	CA
Zip	92078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	BLK 56 LOT 4 (EX DOC04-0360216)DOC69-056385 IN TR 000806
Legal Subdivision	RANCHO LOS VALLECITOS DE SAN M
Legal Tract	000806
Legal Block	56
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20310

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	256 S CARMEL RD, SAN MARCOS, CA 92078-4447
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Gift Deed, Transfer · Line of Credit TRUGROCER FEDERAL CREDIT UNION
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 1994 · Amount on Record
Deed Sale	Dec 1, 1994 · Amount on Record
Deed Document Number	1994690961
Last Transfer Date	Jul 8, 2024
Transfer Doc	0000171946
Record Updated	Sep 20, 2026

July 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2026
Property Address	256 E CARMEL ST, SAN MARCOS, CA 92078
Document Number	0000201476
Instrument Date	Jul 9, 2026
Instrument	2026201476
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	256 S CARMEL RD, SAN MARCOS, CA 92078-4447

Mortgage

Document Number	0000201477,
Date	Jul 15, 2026
Instrument	2026201477

Lender

Name	TRUGROCER FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	256 E CARMEL ST, SAN MARCOS, CA 92078
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 S CARMEL RD, SAN MARCOS, CA 92078-4447

Mortgage

Document Number	0000270686
Date	Apr 7, 2021
Instrument	2021-0270686

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

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

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		$242,882 (+2%) Land $153,678 Building $89,204
2025	$2,676.00 (+7.69%) Homeowner's exemption	$238,120 (+4.04%) Land $150,665 Building $87,455
2023	$2,485.00 (+1.47%) Homeowner's exemption	$228,875 Land $144,815 Building $84,060
2022	$2,449.00

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	2 in force

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

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

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