628 Merit Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 628 Merit Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,458 sqft · built 2018
Lot Size	0.88 acres (3,875 sqft)
Owner	2 Company Names on Record
Last Sale	$757,500 (Apr 2018)
Tax Bill	$12,770 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-18-00`

Property Details

APN / Parcel Number

Primary APN	`222-173-18-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,458 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	3,875 sqft (0.88 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	628 MERIT DR
City	SAN MARCOS
State	CA
Zip	92078-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 38 TR 016159
Legal Subdivision	RANCHO CORONADO 15-006 VILLAGE
Legal Tract	016159
Legal Block	4
Legal Lot Number	38
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Intrafamily Transfer, Transfer
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 3, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC
Apr 24, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2018160564
Last Transfer Date	Mar 13, 2026
Transfer Doc	0000078867
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 23, 2026
Property Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000078867
Map Reference	MAP 16159
Instrument Date	Mar 13, 2026
Instrument	2026-0078867
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 MERIT DR, SAN MARCOS, CA 92078-1402

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	628 MERIT DR, SAN MARCOS, CA 92078-1402

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000373917
Date	Jul 14, 2020
Instrument	2020-0373917

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000496766
Date	Dec 3, 2018
Instrument	2018-0496766

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN MARCOS, CA 92078

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 31, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 MERIT DR, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	0000710361
Date	Nov 12, 2020
Instrument	2020-0710361

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Non-Lending Institution
Address	ROWLAND HEIGHTS, CA 91748

Agreement

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

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 24, 2018
Property Address	628 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000160564
Instrument Date	Apr 18, 2018
Instrument	160564
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 1, 2019
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.25
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	310 S TWIN OAKS VALLEY RD #107 SAN MARCOS CA 920784387, 107, SAN MARCOS, CA 92078-4387

Mortgage

Document Number	160565
Date	Apr 24, 2018
Instrument	160565

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 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		$891,349 (+2%) Land $464,232 Building $427,117
2025	$12,770.00 (+4.87%)	$873,873 (+4.04%) Land $455,130 Building $418,743
2024	$12,177.00 (+2.22%)
2023	$11,913.00 (+2.07%)	$839,941 Land $437,457 Building $402,484
2022	$11,671.00

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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