520 Echo Ln, San Marcos, CA 92078 Property Records

San Diego County property record for 520 Echo Ln, San Marcos, CA 92078 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,971 sqft · built 2002
Lot Size	0.242 acres (10,550 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Mar 2015)
Tax Bill	$10,541 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`221-840-01-00`

Property Details

APN / Parcel Number

Primary APN	`221-840-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,971 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	10,550 sqft (0.242 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	520 ECHO LN
City	SAN MARCOS
State	CA
Zip	92078-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 TR 013921
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	013921
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	20044

Owner

Source: San Diego County records · APN 221-840-01-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPECT HOME FINANCE
Aug 01, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2015 · Amount on Record
Deed Sale	Mar 03, 2015 · Amount on Record
Prior Sale	Nov 26, 2002 · Amount on Record
Deed Document Number	201597184
Prior Transfer Date	Jan 06, 2015
Prior Transfer Doc	0000097183
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	Jun 05, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000137515
Date	May 25, 2023
Instrument	2023-0137515

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ECHO LN, SAN MARCOS, CA 92078-4205

Mortgage

Document Number	0000376333
Date	May 17, 2021
Instrument	2021-0376333

Lender

Name	PROSPECT HOME FINANCE
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000319942
Date	Aug 01, 2019
Instrument	2019-0319942

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075400
Date	Feb 13, 2020
Instrument	2020-0075400

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ECHO LN, SAN MARCOS, CA 92078-4205

Mortgage

Document Number	0000569739
Date	Sep 25, 2020
Instrument	2020-0569739

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 04, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$856,887 (+2%) Land $404,538 Building $452,349
2025	$10,541.00 (+7.67%)	$840,086 (+4.04%) Land $396,606 Building $443,480
2023	$9,790.00 (+1.69%)	$807,466 Land $381,206 Building $426,260
2022	$9,627.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730200441, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 783 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA, Verizon, Cox Communications, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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