430 Silver Shadow Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 430 Silver Shadow Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,862 sqft · built 1990
Lot Size	0.196 acres (8,541 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Nov 2023)
Tax Bill	$12,320 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-391-23-00`

Property Details

APN / Parcel Number

Primary APN	`220-391-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,862 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	8,541 sqft (0.196 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	430 SILVER SHADOW DR
City	SAN MARCOS
State	CA
Zip	92078-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20 (PR
Legal Description	LOT 23 TR 011258
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	011258
Legal Block	3
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3004
Census Tract	20310

Owner

430 Silver Shadow Dr is owned and occupied by two individuals who bought it in November 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Grant Deed, Transfer · Conventional Mortgage PRIMELENDING
Jan 4, 2018	Deed of Trust, Mortgage · ARM MISSION FCU
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
May 14, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023 · Amount on File
Deed Sale	Nov 9, 2023 · Amount on File
Prior Sale	Jul 31, 1990 · Amount on File
Deed Document Number	2023313693
Prior Transfer Date	May 6, 2021
Prior Transfer Doc	0000373024
Record Updated	Oct 29, 2026

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2023
Property Address	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456
Document Number	0000313693
Map Reference	MAP 11258
Instrument Date	Oct 22, 2023
Instrument	2023-0313693
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456

Mortgage

Document Number	0000313694
Date	Nov 9, 2023
Instrument	2023-0313694

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2038

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004361
Date	Jan 4, 2018
Instrument	2018-0004361

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2023
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.12%
Index	5-Year CMT
Max Rate	8.12%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000298689
Date	Jun 10, 2020
Instrument	2020-0298689

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Margin	2
Max Rate	7.62%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 14, 2021
Property Address	430 SILVER SHADOW DR, SAN MARCOS, CA 92078-4456
Document Number	0000373024
Map Reference	MAP 11258
Instrument Date	May 6, 2021
Instrument	2021-0373024
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 461837, ESCONDIDO, CA 92046-1837

Tax Assessment & Valuation

The 2025 property tax bill for 430 Silver Shadow Dr was $12,320.

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		$1,092,420 (+2%) Land $728,280 Building $364,140
2025	$12,320.00	$1,071,000 Land $714,000 Building $357,000
2023	$4,409.00 (+1.4%) Homeowner's exemption	$398,540 Land $163,807 Building $234,733
2022	$4,348.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 430 Silver Shadow Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 430 Silver Shadow Dr is low, with a 0.01% annual chance of 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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Spectrum.

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