San Diego County property record for 646 Gemstone Dr, San Marcos, CA 92078
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 3 ba · 2,408 sqft · built 2018 |
| Owner | 2 Company Names on File |
| Last Sale | $717,500 (Oct 2018) |
| Tax Bill | $11,923 (2025) |
| Deeds & Mortgages | Oct 2026 Sale Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 222-173-28-01 |
| Primary APN | 222-173-28-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,408 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Condo/Apartment |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 646 GEMSTONE DR |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92078-1408 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SPECIFIC P |
| Legal Description | LOT 48 US 14 PER DOC18-0169959&UND INT IN PHASE 7 TR 016159 |
| Legal Subdivision | RANCHO CORONADO VILLAGE M |
| Legal Tract | 016159 |
| Legal Block | 4 |
| Legal Lot Number | 48 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20044 |
646 Gemstone Dr, a condominium, is owned by a company that bought it in October 2018.
Source: San Diego County records, as of October 22, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Oct 13, 2026 | Grant Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional with PMI OPTIMUM FIRST INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2018 · Amount on File |
| Deed Sale | Oct 17, 2018 · Amount on File |
| Deed Document Number | 2018432679 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 13, 2026 |
| Property Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000296208 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 2026296208 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000242299 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021-0242299 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 646 GEMSTONE DR, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000138129 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2020 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 646 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408 |
| Document Number | 0000138129 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 138129 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 16, 2050 |
The 2025 property tax bill for 646 Gemstone Dr was $11,923.
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 | $816,041 (+2%) Land $352,724 Building $463,317 | |
| 2025 | $11,923.00 | $800,041 Land $345,808 Building $454,233 |
| 2023 | $11,125.00 (+2.11%) | $768,977 Land $332,381 Building $436,596 |
| 2022 | $10,895.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 646 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 646 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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