642 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 642 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2018
Lot Size	0.474 acres (20,663 sqft)
Owner	2 Individual Names on File
Last Sale	$668,000 (Aug 2018)
Tax Bill	$11,110 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-27-05`

Property Details

APN / Parcel Number

Primary APN	`222-173-27-05`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,211 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Lot Area	20,663 sqft (0.474 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	642 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	LOT 47 US 12PER DOC18-0036141&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE #15-00
Legal Tract	016159
Legal Block	4
Legal Lot Number	47
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

642 Gemstone Dr, a condominium, 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 Record	2 Individual Names on File
Mailing Address	642 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 9, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on File
Deed Sale	Aug 9, 2018 · Amount on File
Deed Document Number	2018325869
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	642 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000181433
Date	Mar 9, 2021
Instrument	2021-0181433

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	642 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000197325
Date	May 23, 2019
Instrument	2019-0197325

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 9, 2018
Property Address	642 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000325869
Instrument Date	Aug 2, 2018
Instrument	325869
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$734.80
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	642 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	325870
Date	Aug 9, 2018
Instrument	325870

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 642 Gemstone Dr was $11,110 with a homeowner's exemption.

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		$760,058 (+2%) Land $375,481 Building $384,577
2025	$11,110.00 Homeowner's exemption	$745,156 Land $368,119 Building $377,037
2023	$10,363.00 (+2.18%) Homeowner's exemption	$716,223 Land $353,825 Building $362,398
2022	$10,142.00

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

Flood

FEMA maps place 642 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 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

Wildfire risk around 642 Gemstone Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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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