635 Sandy Ln, San Marcos, CA 92078 Property Records

San Diego County property record for 635 Sandy Ln, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,084 sqft · built 1988
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Trust Names on File
Last Sale	$1,549,000 (May 2024)
Tax Bill	$18,006 (2025)
Deeds & Mortgages	Feb 2026 Transfer May 2024 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`220-301-34-00`

Property Details

APN / Parcel Number

Primary APN	`220-301-34-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,084 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	41,818 sqft (0.96 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	635 SANDY LN
City	SAN MARCOS
State	CA
Zip	92078-5041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	PAR 1 TR PM07942
Legal Subdivision	CITY/SAN MARCOS
Legal Tract	7942
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20310

Owner

635 Sandy Ln is owner-occupied and held in a trust since May 2024.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 25, 2026	Intrafamily Transfer, Transfer
May 6, 2024	Grant Deed, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 4, 2022	Intrafamily Transfer, Transfer
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 20, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jan 10, 2019	Grant Deed, Transfer · ARM US BANK NA
Feb 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 15, 2017	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2024 · Amount on File
Deed Sale	May 6, 2024 · Amount on File
Prior Sale	Jan 10, 2019 · Amount on File
Deed Document Number	2024113619
Prior Transfer Date	Oct 29, 1996
Prior Transfer Doc	0000547123
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 25, 2026
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000051978
Map Reference	FILE 78-438338
Instrument Date	Jan 27, 2026
Instrument	2026-0051978
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	635 SANDY LN, SAN MARCOS, CA 92078-5041

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 6, 2024
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000113619
Map Reference	FILE 78-438338
Instrument Date	Feb 23, 2024
Instrument	2024-0113619
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount on Record
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	635 SANDY LN, SAN MARCOS, CA 92078-5041

Mortgage

Document Number	0000113620
Date	May 6, 2024
Instrument	2024-0113620

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 SANDY LN, SAN MARCOS, CA 92078-5041

Mortgage

Document Number	0000125250
Date	Mar 22, 2022
Instrument	2022-0125250

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2022
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000097423
Instrument Date	Mar 1, 2022
Instrument	2022-0097423
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 SANDY LN, SAN MARCOS, CA 92078-5041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 SANDY LN, SAN MARCOS, CA 92078-5041

Mortgage

Document Number	0000167650
Date	Mar 4, 2021
Instrument	2021-0167650

Lender

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

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415133
Date	Sep 20, 2019
Instrument	2019-0415133

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 10, 2019
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000009502
Instrument Date	Dec 17, 2018
Instrument	2019-0009502
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	635 SANDY LN, SAN MARCOS, CA 92078-5041

Mortgage

Document Number	0000009503
Date	Jan 10, 2019
Instrument	2019-0009503

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2018
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000052092
Instrument Date	Feb 7, 2018
Instrument	52092
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	635 SANDY LN SAN MARCOS CA 920785041, SAN MARCOS, CA 92078-5041

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2017
Property Address	635 SANDY LN, SAN MARCOS, CA 92078-5041
Document Number	0000269156
Instrument Date	May 18, 2017
Instrument	269156
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	635 SANDY LN SAN MARCOS CA 920785041, SAN MARCOS, CA 92078-5041

Mortgage

Document Number	269157
Date	Jun 15, 2017
Instrument	269157

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 635 Sandy Ln was $18,006.

Source: San Diego County assessment roll, as of July 28, 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		$1,611,579 (+2%) Land $1,144,440 Building $467,139
2025	$18,006.00 Homeowner's exemption	$1,579,980 Land $1,122,000 Building $457,980
2023	$9,810.00 (+1.37%)	$884,563 Land $505,465 Building $379,098
2022	$9,677.00

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

Flood

FEMA maps place 635 Sandy Ln 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	2 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 635 Sandy Ln is moderate, ranking above 44% of the US, with a 0.08% annual chance of 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	0.08% annual chance
Exposure	Direct burnable vegetation

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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cox Communications.

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