San Diego County property record for 640 Sandy Ln, San Marcos, CA 92078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 2001 |
| Lot Size | 2.36 acres (102,802 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $661,000 (Aug 2016) |
| Tax Bill | $9,844 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 220-301-31-00 |
| Primary APN | 220-301-31-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,875 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 102,802 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 640 SANDY LN |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92078-5042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-20 |
| Legal Description | PAR 4 TR PM07487 |
| Legal Tract | 7487 |
| Legal Block | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20310 |
Source: San Diego County records, as of July 28, 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 | 640 SANDY LN, SAN MARCOS, CA 92078-5042 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2016 · Amount on Record |
| Deed Sale | Aug 26, 2016 · Amount on Record |
| Prior Sale | Jun 25, 2014 · Amount on Record |
| Deed Document Number | 2016444893 |
| Prior Transfer Date | Sep 19, 2002 |
| Prior Transfer Doc | 0000860113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 640 SANDY LN, SAN MARCOS, CA 92078-5042 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 640 SANDY LN, SAN MARCOS, CA 92078-5042 |
| Document Number | 0000785338 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 2021-0785338 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Marcos City |
| Unified School District | San Marcos Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $816,138 (+2%) Land $329,423 Building $486,715 | |
| 2025 | $9,844.00 (+7.43%) Homeowner's exemption | $800,136 (+4.04%) Land $322,964 Building $477,172 |
| 2023 | $9,163.00 (+1.59%) Homeowner's exemption | $769,068 Land $310,424 Building $458,644 |
| 2022 | $9,020.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 374 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: Spectrum.
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