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629 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 629 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,684 sqft · built 2018
Lot Size0.87 acres (3,791 sqft)
Owner2 Individual Names on File
Last Sale$751,000 (Aug 2018)
Tax Bill$12,408 (2025)
Deeds & MortgagesApr 2020 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN222-173-25-00

Property Details

APN / Parcel Number

Primary APN222-173-25-00

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,684 sqft Living Area

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Lot Area3,791 sqft (0.87 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address629 GEMSTONE DR
CitySAN MARCOS
StateCA
Zip92078-1409
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPA
Legal DescriptionLOT 45 TR 016159
Legal SubdivisionRANCHO CORONADO VILLAGE M 15-0
Legal Tract016159
Legal Block4
Legal Lot Number45
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group4
Census Block4000
Census Tract20044

Owner

629 Gemstone Dr is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record2 Individual Names on File
Mailing Address629 GEMSTONE DR, SAN MARCOS, CA 92078-1409
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 23, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Aug 29, 2018Grant Deed, Subdivision Related Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2018 · Amount on File
Deed SaleAug 29, 2018 · Amount on File
Deed Document Number2018355276
Record UpdatedSep 20, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address629 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number0000214508
Instrument DateApr 23, 2020
Transaction TypeMortgage
Record UpdatedMay 7, 2020
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address629 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number0000214508
DateApr 28, 2020
Instrument214508
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 27, 2050

August 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateAug 29, 2018
Property Address629 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number0000355276
Instrument DateAug 28, 2018
Instrument355276
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 6, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$826.10
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address629 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number355277
DateAug 29, 2018
Instrument355277
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 629 Gemstone Dr was $12,408 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Marcos City
Unified School DistrictSan Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$854,484 (+2%) Land $409,616 Building $444,868
2025$12,408.00 Homeowner's exemption$837,731 Land $401,585 Building $436,146
2023$11,577.00 (+2.12%) Homeowner's exemption$805,203 Land $385,992 Building $419,211
2022$11,337.00

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

Flood

FEMA maps place 629 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 629 Gemstone Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.07% annual chance
ExposureIndirect
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 SystemVALLECITOS WD
serves 114,700 people · EPA ID CA3710002
Water SourcePurchased surface water from several systems
Last State InspectionMar 2022
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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