649 Edgewater Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 649 Edgewater Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,419 sqft · built 2004
Lot Size	0.338 acres (14,702 sqft)
Owner	2 Individual Names on File
Last Sale	$631,500 (Nov 2004)
Tax Bill	$13,996 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`220-475-04-00`

Property Details

APN / Parcel Number

Primary APN	`220-475-04-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,419 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	14,702 sqft (0.338 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	649 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 74 TR 014710
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014710
Legal Block	3
Legal Lot Number	74
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20310

Owner

649 Edgewater Dr is owned and occupied by two individuals who bought it in November 2004.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 EDGEWATER DR, SAN MARCOS, CA 92078-6001
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 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2004 · Amount on File
Deed Sale	Nov 12, 2004 · Amount on File
Deed Document Number	20041076260
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 EDGEWATER DR, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000197787
Date	Mar 15, 2021
Instrument	2021-0197787

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000424803
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 EDGEWATER DR SAN MARCOS CA 920786001, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000424803
Date	Aug 3, 2020
Instrument	424803

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 2, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 649 Edgewater Dr was $13,996 with a homeowner's exemption.

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		$897,233 (+2%) Land $348,312 Building $548,921
2025	$13,996.00 Homeowner's exemption	$879,641 Land $341,483 Building $538,158
2023	$13,097.00 (+1.65%) Homeowner's exemption	$845,485 Land $328,224 Building $517,261
2022	$12,885.00

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

Flood

FEMA maps place 649 Edgewater 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	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

Wildfire risk around 649 Edgewater Dr is low, with a 0.02% annual chance of 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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