556 Echo Ln, San Marcos, CA 92078 Property Records

San Diego County property record for 556 Echo Ln, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,971 sqft · built 2003
Lot Size	0.142 acres (6,181 sqft)
Owner	2 Individual Names on Record
Last Sale	$793,000 (Jan 2020)
Tax Bill	$10,852 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`221-841-72-00`

Property Details

APN / Parcel Number

Primary APN	`221-841-72-00`

Interior

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

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	6,181 sqft (0.142 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	556 ECHO LN
City	SAN MARCOS
State	CA
Zip	92078-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 181 TR 014289
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014289
Legal Block	1
Legal Lot Number	181
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
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	2 Individual Names on Record
Mailing Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 16, 2020	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA
Aug 1, 2017	Affidavit of Death, Transfer CALIFORNIA MEMBERS TITLE INSURANCE C, CALIFORNIA MEMBERS TITLE INS C
Aug 1, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CALIFORNIA CU
Jul 21, 2017	Loan Modification, Mortgage · Conventional Mortgage CALIFORNIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Jul 25, 2014 · Amount on Record
Deed Document Number	202025309
Prior Transfer Date	Jul 25, 2017
Prior Transfer Doc	0000346291
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 ECHO LN, SAN MARCOS, CA 92078-4205

Mortgage

Document Number	0000115587
Date	Feb 16, 2021
Instrument	2021-0115587

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2020
Property Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Document Number	0000025309
Instrument Date	Dec 6, 2019
Instrument	25309
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$872.00
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	556 ECHO LN SAN MARCOS CA 920784205, SAN MARCOS, CA 92078-4205

Mortgage

Document Number	25310
Date	Jan 16, 2020
Instrument	25310

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2017
Property Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Document Number	0000346290
Instrument Date	Jul 25, 2017
Instrument	346290
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	CALIFORNIA MEMBERS TITLE INSURANCE C, CALIFORNIA MEMBERS TITLE INS C

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 ECHO LN SAN MARCOS CA 920784205, SAN MARCOS, CA 92078-4205

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2017
Property Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Document Number	0000346291
Instrument Date	Jul 25, 2017
Instrument	346291
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	CALIFORNIA MEMBERS TITLE INSURANCE C, CALIFORNIA MEMBERS TITLE INS C

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	556 ECHO LN SAN MARCOS CA 920784205, SAN MARCOS, CA 92078-4205

Mortgage

Document Number	346292
Date	Aug 1, 2017
Instrument	346292

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	556 ECHO LN, SAN MARCOS, CA 92078-4205
Document Number	0000346288
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	0000346288
Date	Aug 1, 2017
Instrument	346288

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$884,601 (+2%) Land $449,362 Building $435,239
2025	$10,852.00 (+7.67%)	$867,256 (+4.04%) Land $440,551 Building $426,705
2023	$10,079.00 (+1.68%)	$833,582 Land $423,445 Building $410,137
2022	$9,912.00

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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	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 783 locations within half a mile, as of December 31, 2025

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

May also be available: Cox Communications, T-Mobile, Verizon.

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