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

San Diego County property record for 491 Silver Shadow Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,946 sqft · built 1990
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Company Names on Record
Last Sale	$1,450,000 (Apr 2025)
Tax Bill	$9,551 (2025)
Deeds & Mortgages	Mar 2026 Transfer Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`220-393-13-00`

Property Details

APN / Parcel Number

Primary APN	`220-393-13-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	2,946 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	29,621 sqft (0.68 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	491 SILVER SHADOW DR
City	SAN MARCOS
State	CA
Zip	92078-4440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20 (PR
Legal Description	LOT 67 TR 011258
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	011258
Legal Block	3
Legal Lot Number	67
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 Company Names on Record
Mailing Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Intrafamily Transfer, Transfer
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Jan 23, 2025 · Amount on Record
Deed Document Number	2025104350
Prior Transfer Date	Apr 1, 2016
Prior Transfer Doc	0000207612
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2026
Property Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Document Number	0000067672
Map Reference	MAP 11258
Instrument Date	Feb 25, 2026
Instrument	2026-0067672
Transaction Type	Transfer
Record Updated	Mar 19, 2026

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	Family Trust
Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440

Mortgage

Document Number	0000362530
Date	Dec 24, 2025
Instrument	2025-0362530

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Transaction Type	Mortgage
Record Updated	Mar 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440

Mortgage

Document Number	0000061071
Date	Mar 11, 2024
Instrument	2024-0061071

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2044

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440

Mortgage

Document Number	0000148996
Date	Feb 25, 2021
Instrument	2021-0148996

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	491 SILVER SHADOW DR, SAN MARCOS, CA 92078-4440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441647
Date	Oct 3, 2019
Instrument	2019-0441647

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 2, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$739,612 (-11.49%) Land $484,446 Building $255,166
2025	$9,551.00 (+5.55%)	$835,612 (+4.04%) Land $331,544 Building $504,068
2024	$9,049.00 (+1.89%)
2023	$8,881.00 (+1.38%) Homeowner's exemption	$803,167 Land $318,671 Building $484,496
2022	$8,760.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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