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647 Merit Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 647 Merit Dr, San Marcos, CA 92078

Property Summary

Property TypeCondominium
Details4 bd · 3 ba · 2,392 sqft · built 2018
Owner2 Individual Names on File
Last Sale$682,000 (Apr 2018)
Tax Bill$11,562 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Sep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN222-173-02-01

Property Details

APN / Parcel Number

Primary APN222-173-02-01

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,392 sqft Living Area

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleCondo/Apartment
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address647 MERIT DR
CitySAN MARCOS
StateCA
Zip92078-1403
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSPECIFIC P
Legal DescriptionLOT 2 US 126PER DOC18-0047200&UND INT IN PHASE 5 TR 016159
Legal SubdivisionRANCHO CORONADO VILLAGE M SAN
Legal Tract016159
Legal Block4
Legal Lot Number2
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group4
Census Block4000
Census Tract20044

Owner

647 Merit Dr, a condominium, is owned and occupied by two individuals who bought it in April 2018.

Source: San Diego County records, as of July 21, 2026

Owner of Record2 Individual Names on File
Mailing Address647 MERIT DR, SAN MARCOS, CA 92078-1403
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Sep 20, 2019Deed of Trust, Mortgage · Conventional with PMI
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2018 · Amount on File
Deed SaleApr 30, 2018 · Amount on File
Deed Document Number2018171655
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address647 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction TypeMortgage
Record UpdatedMar 10, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address647 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number0000150903
DateFeb 26, 2021
Instrument2021-0150903
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address647 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number0000427738
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedOct 4, 2019
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address647 MERIT DR SAN MARCOS CA 920781403, SAN MARCOS, CA 92078-1403

Mortgage

Document Number0000427738
DateSep 26, 2019
Instrument427738
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueSep 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 647 Merit Dr was $11,562 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Marcos City
Unified School DistrictSan Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$790,961 (+2%) Land $382,990 Building $407,971
2025$11,562.00 Homeowner's exemption$775,453 Land $375,481 Building $399,972
2023$10,787.00 (+2.16%) Homeowner's exemption$745,343 Land $360,901 Building $384,442
2022$10,559.00

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

Flood

FEMA maps place 647 Merit 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 647 Merit Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.07% annual chance
ExposureIndirect
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 SystemVALLECITOS WD
serves 114,700 people · EPA ID CA3710002
Water SourcePurchased surface water from several systems
Last State InspectionMar 2022
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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