623 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 623 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,656 sqft · built 2018
Lot Size	0.84 acres (3,702 sqft)
Owner	2 Individual Names on Record
Last Sale	$854,000 (Nov 2020)
Tax Bill	$13,398 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-22-00`

Property Details

APN / Parcel Number

Primary APN	`222-173-22-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,656 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	3,702 sqft (0.84 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	623 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 42 TR 016159
Legal Subdivision	RANCHO CORONADO 15-006 VL
Legal Tract	016159
Legal Block	4
Legal Lot Number	42
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
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	623 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 25, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 17, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Document Number	2020753271
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	623 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Aug 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 GEMSTRONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000555886
Date	Aug 4, 2021
Instrument	2021-0555886

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 25, 2020
Property Address	623 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000753271
Map Reference	MAP 16159
Instrument Date	Nov 17, 2020
Instrument	2020-0753271
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	623 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000753272
Date	Nov 25, 2020
Instrument	2020-0753272

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2018
Property Address	623 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000386770
Instrument Date	Sep 14, 2018
Instrument	386770
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.85
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	623 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	386771
Date	Sep 17, 2018
Instrument	386771

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

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		$942,880 (+2%) Land $456,388 Building $486,492
2025	$13,398.00 (+7.21%) Homeowner's exemption	$924,393 (+4.04%) Land $447,440 Building $476,953
2023	$12,497.00 (+1.41%)	$888,499 Land $430,066 Building $458,433
2022	$12,323.00

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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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