446 Carlo St, San Marcos, CA 92078 Property Records

San Diego County property record for 446 Carlo St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,045 sqft · built 1986
Owner	2 Individual Names on File
Tax Bill	$9,068 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`217-240-63-00`

Property Details

APN / Parcel Number

Primary APN	`217-240-63-00`
Alternative APN	`217-241-42-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,045 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2172406300
Street Address	446 CARLO ST
City	SAN MARCOS
State	CA
Zip	92078-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 10 TR 009942
Legal Subdivision	SAN DIEGO TRACT NO. 3671
Legal Tract	009942
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	20037

Owner

446 Carlo St is owned and occupied by two individuals who acquired it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 CARLO ST, SAN MARCOS, CA 92078-2331
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
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Sep 14, 2018	Intrafamily Transfer, Transfer · Line of Credit BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 22, 2018
Transfer Doc	0000384027
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	446 CARLO ST, SAN MARCOS, CA 92078-2331
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CARLO SREET, SAN MARCOS, CA 92078-2331

Mortgage

Document Number	0000172902
Date	Apr 20, 2022
Instrument	2022-0172902

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2018
Property Address	446 CARLO ST, SAN MARCOS, CA 92078-2331
Document Number	0000384027
Map Reference	MAP 9942
Instrument Date	May 22, 2018
Instrument	2018-0384027
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	PACIFIC COAST TITLE COMPANY

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
Relationship	Joint Tenants
Address	446 CARLO ST, SAN MARCOS, CA 92078-2331

Mortgage

Document Number	0000384029
Date	Sep 14, 2018
Instrument	2018-0384029

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000384028
Date	Sep 14, 2018
Instrument	2018-0384028

Lender

Name	CSTONE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 446 Carlo St was $9,068 with a homeowner's exemption.

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		$813,534 (+2%) Land $435,046 Building $378,488
2025	$9,068.00 Homeowner's exemption	$797,583 Land $426,516 Building $371,067
2023	$8,428.00 (+1.38%) Homeowner's exemption	$766,613 Land $409,954 Building $356,659
2022	$8,313.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 446 Carlo St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 446 Carlo St is low, with less than 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 474 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 / 500
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

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

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