622 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 622 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2018
Lot Size	0.632 acres (27,560 sqft)
Owner	2 Individual Names on File
Last Sale	$698,000 (Nov 2019)
Tax Bill	$11,398 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-26-02`

Property Details

APN / Parcel Number

Primary APN	`222-173-26-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,211 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Lot Area	27,560 sqft (0.632 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	622 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	LOT 46 US 2 PER DOC17-0526949&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15
Legal Tract	016159
Legal Block	4
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

622 Gemstone Dr, a condominium, is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408
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
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDERFI INC
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Nov 4, 2019	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on File
Deed Sale	Nov 4, 2019 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	2019502459
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000683302
Date	Nov 3, 2020
Instrument	2020-0683302

Lender

Name	LENDERFI INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000010064
Date	Jan 7, 2021
Instrument	2021-0010064

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2019
Property Address	622 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000502459
Instrument Date	Oct 28, 2019
Instrument	502459
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$767.80
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	622 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	502460
Date	Nov 4, 2019
Instrument	502460

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 622 Gemstone Dr was $11,398.

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		$778,624 (+2%) Land $391,442 Building $387,182
2025	$11,398.00	$763,358 Land $383,767 Building $379,591
2023	$10,634.00 (+2.14%)	$733,718 Land $368,866 Building $364,852
2022	$10,411.00

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

Flood

FEMA maps place 622 Gemstone Dr 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 622 Gemstone Dr is low, with a 0.03% annual chance of 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	0.03% 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 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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