542 Ledge St, San Marcos, CA 92078 Property Records

San Diego County property record for 542 Ledge St, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,562 sqft · built 2018
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$1,660,500 (Apr 2017)
Tax Bill	$22,811 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`679-229-10-00`

Property Details

APN / Parcel Number

Primary APN	`679-229-10-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,562 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	23,958 sqft (0.55 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	542 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 10 TR 016022
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	016022
Legal Block	4
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4006
Census Tract	20044

Owner

542 Ledge St is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	542 LEDGE ST, SAN MARCOS, CA 92078-2840
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
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Apr 20, 2017	Grant Deed, Subdivision Related Transfer FIRST INTERNET BK/IN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on File
Deed Sale	Apr 20, 2017 · Amount on File
Prior Sale	Dec 2, 2015 · Amount on File
Deed Document Number	2017177874
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	542 LEDGE ST, SAN MARCOS, CA 92078-2840
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425280
Date	Aug 3, 2020
Instrument	2020-0425280

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 20, 2017
Property Address	542 LEDGE ST, SAN MARCOS, CA 92078-2840
Document Number	0000177874
Instrument Date	Apr 7, 2017
Instrument	177874
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 25, 2017
Title Company	FNTG BUILDER SERVICES, FNTG BUILDER SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,826.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	542 LEDGE ST SAN MARCOS CA 920782840, SAN MARCOS, CA 92078-2840

Mortgage

Document Number	177875
Date	Apr 20, 2017
Instrument	177875

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 542 Ledge St was $22,811 with a homeowner's exemption.

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		$2,018,256 (+2%) Land $644,268 Building $1,373,988
2025	$22,811.00 Homeowner's exemption	$1,978,684 Land $631,636 Building $1,347,048
2023	$21,162.00 (+1.85%) Homeowner's exemption	$1,901,851 Land $607,109 Building $1,294,742
2022	$20,778.00

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

Flood

FEMA maps place 542 Ledge St 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	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

Wildfire risk around 542 Ledge St is high, ranking above 73% of the US, with a 0.3% annual chance of 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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