643 Edgewater Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 643 Edgewater Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,072 sqft · built 2004
Lot Size	0.241 acres (10,515 sqft)
Owner	2 Company Names on Record
Last Sale	$443,000 (Jun 2009)
Tax Bill	$5,618 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`220-475-01-00`

Property Details

APN / Parcel Number

Primary APN	`220-475-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,072 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	10,515 sqft (0.241 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	643 EDGEWATER DR
City	SAN MARCOS
State	CA
Zip	92078-6001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 71 TR 014710
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014710
Legal Block	3
Legal Lot Number	71
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20310

Owner

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 Company Names on Record
Mailing Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Intrafamily Transfer, Transfer
Feb 2, 2026	Intrafamily Transfer, Transfer
Mar 30, 2023	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jun 21, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 2, 2019	Affidavit of Death, Transfer OLD REPUBLIC TITLE
Nov 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2009 · Amount on Record
Deed Sale	Jun 4, 2009 · Amount on Record
Prior Sale	Oct 6, 2004 · Amount on Record
Deed Document Number	2009302710
Prior Transfer Date	Feb 21, 2006
Prior Transfer Doc	0000143332
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2026
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000027738
Map Reference	MAP 14710
Instrument Date	Jan 30, 2026
Instrument	2026-0027738
Transaction Type	Transfer
Record Updated	Feb 10, 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	Living Trust
Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2026
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000027737
Map Reference	MAP 14710
Instrument Date	Jan 30, 2026
Instrument	2026-0027737
Transaction Type	Transfer
Record Updated	Feb 10, 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
Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000082811
Date	Mar 30, 2023
Instrument	2023-0082811

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	825 Months
Due	Dec 14, 2091

Interest

Rate Type	Adjustable Rate
Rate	6.79%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.7%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000243740
Date	Jun 21, 2019
Instrument	2019-0243740

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000056552
Date	Feb 7, 2022
Instrument	2022-0056552

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2019
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000559046
Instrument Date	Nov 27, 2019
Instrument	559046
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 EDGEWATER DR SAN MARCOS CA 920786001, SAN MARCOS, CA 92078-6001

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000559047
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	643 EDGEWATER DR SAN MARCOS CA 920786001, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000559047
Date	Dec 2, 2019
Instrument	559047

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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		$149,225 (+2%) Land $41,730 Building $107,495
2025	$5,618.00 (+5.88%) Homeowner's exemption	$146,300 (+4.04%) Land $40,912 Building $105,388
2023	$5,306.00 (+2.06%) Homeowner's exemption	$140,621 Land $39,324 Building $101,297
2022	$5,199.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 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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