538 Ledge St, San Marcos, CA 92078 Property Records

San Diego County property record for 538 Ledge St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,672 sqft · built 2017
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$1,637,000 (Jul 2017)
Tax Bill	$22,270 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`679-229-08-00`

Property Details

APN / Parcel Number

Primary APN	`679-229-08-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,672 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	23,958 sqft (0.55 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	538 LEDGE ST
City	SAN MARCOS
State	CA
Zip	92078-2840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 8 TR 016022
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	016022
Legal Block	4
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4006
Census Tract	20044

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Feb 8, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Oct 12, 2018	Deed of Trust, Mortgage PRIMELENDING
Jul 31, 2017	Quit Claim Deed, Transfer FNTG BUILDER SERVICES, FNTG BUILDER SVCS
Jul 31, 2017	Grant Deed, Subdivision Related Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Dec 2, 2015 · Amount on Record
Deed Document Number	2017343620
Prior Transfer Date	Jul 10, 2017
Prior Transfer Doc	0000343619
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	0000343509
Date	Dec 5, 2025
Instrument	2025-0343509

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	0000410340
Date	Jun 2, 2021
Instrument	2021-0410340

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Document Number	0000080066
Instrument Date	Feb 8, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	538 LEDGE ST SAN MARCOS CA 920782840, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	0000080066
Date	Feb 18, 2020
Instrument	80066

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Document Number	0000432584
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 25, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	538 LEDGE ST SAN MARCOS CA 920782840, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	0000432584
Date	Oct 17, 2018
Instrument	432584

Lender

Name	PRIMELENDING
Address	18111 PRESTON RD # 900, DALLAS, TX 75252-6601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2017
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Document Number	0000343619
Instrument Date	Jul 10, 2017
Instrument	343619
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	FNTG BUILDER SERVICES, FNTG BUILDER SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	538 LEDGE ST SAN MARCOS CA 920782840, SAN MARCOS, CA 92078-2840

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2017
Property Address	538 LEDGE ST, SAN MARCOS, CA 92078-2840
Document Number	0000343620
Instrument Date	Oct 13, 2016
Instrument	343620
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2018
Title Company	FNTG BUILDER SERVICES, FNTG BUILDER SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	538 LEDGE ST SAN MARCOS CA 920782840, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	343621
Date	Jul 31, 2017
Instrument	343621

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,968,634 (+2%) Land $660,566 Building $1,308,068
2025	$22,270.00 (+7.79%) Homeowner's exemption	$1,930,034 (+4.04%) Land $647,614 Building $1,282,420
2023	$20,661.00 (+1.85%) Homeowner's exemption	$1,855,090 Land $622,467 Building $1,232,623
2022	$20,285.00

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	1 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	High above 73% of the US · above 48% of California
Wildfire Likelihood	0.3% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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