San Diego County property record for 644 Gemstone Dr, San Marcos, CA 92078
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 3 ba · 2,392 sqft · built 2018 |
| Lot Size | 0.474 acres (20,663 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,747 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 222-173-27-04 |
| Primary APN | 222-173-27-04 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,392 sqft Living Area |
| 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 |
| Street Address | 644 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 11PER DOC18-0036141&UND INT IN TR 016159 |
| Legal Subdivision | RANCHO CORONADO VILLAGE M 15- |
| 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 |
644 Gemstone Dr, a condominium, is owned and occupied by two individuals.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 644 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORP |
| Aug 30, 2018 | Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 644 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000525870 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2020 |
| Title Company | WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 640 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000525870 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 525870 |
| Name | OWNING CORP |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 30, 2018 |
| Property Address | 644 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000357478 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 357478 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 7, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $779.90 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 640 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408 |
| Document Number | 357479 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 357479 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2048 |
The 2025 property tax bill for 644 Gemstone Dr was $7,747.
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 | $431,556 (+2%) Land $135,386 Building $296,170 | |
| 2025 | $7,747.00 | $423,095 Land $132,732 Building $290,363 |
| 2023 | $7,246.00 (+2.53%) | $406,668 Land $127,579 Building $279,089 |
| 2022 | $7,067.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 644 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 risk around 644 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.
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 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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