649 Merit Dr, San Marcos, CA 92078 Property Records

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

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2018
Owner	Individual Name on File
Last Sale	$1,100,000 (Jun 2026)
Tax Bill	$11,294 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-02-02`

Property Details

APN / Parcel Number

Primary APN	`222-173-02-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,211 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	649 MERIT DR
City	SAN MARCOS
State	CA
Zip	92078-1403
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 2 US 127PER DOC18-0047200&UND INT IN PHASE 5 TR 016159
Legal Subdivision	RANCHO CORONADO 15-006 VILLAGE
Legal Tract	016159
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

649 Merit Dr, a condominium, is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	649 MERIT DR, SAN MARCOS, CA 92078-1403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 17, 2026	Grant Deed, Transfer · Conventional Mortgage MISSION FEDERAL CREDIT UNION
Dec 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 17, 2019	Quit Claim Deed, Transfer · Conventional Mortgage WEST COAST FNDG & R/E

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Document Number	2026174273
Prior Transfer Date	Dec 23, 2020
Prior Transfer Doc	0000840161
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2026
Property Address	649 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000174273
Instrument Date	May 21, 2026
Instrument	2026174273
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000174274,
Date	Jun 17, 2026
Instrument	2026174274

Lender

Name	MISSION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 29, 2020
Property Address	649 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000840161
Map Reference	MAP 16159
Instrument Date	Dec 23, 2020
Instrument	2020-0840161
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	INNOVATIVE TITLE COMPANY

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	Joint Tenants
Address	649 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000840162
Date	Dec 29, 2020
Instrument	2020-0840162

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2019
Property Address	649 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000235304
Instrument Date	Jun 12, 2019
Instrument	235304
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 MERIT DR SAN MARCOS CA 920781403, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	235305
Date	Jun 17, 2019
Instrument	235305

Lender

Name	WEST COAST FNDG & R/E
Address	LA JOLLA, CA 92037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 649 Merit Dr was $11,294.

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		$776,493 (+2%) Land $382,990 Building $393,503
2025	$11,294.00 Homeowner's exemption	$761,269 Land $375,481 Building $385,788
2023	$10,535.00 (+2.17%) Homeowner's exemption	$731,709 Land $360,901 Building $370,808
2022	$10,311.00

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

Flood

FEMA maps place 649 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 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

Wildfire risk around 649 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 Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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 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 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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