651 Edgewater Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 651 Edgewater Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,072 sqft · built 2004
Lot Size	0.24 acres (10,465 sqft)
Owner	2 Individual Names on File
Last Sale	$598,000 (Nov 2004)
Tax Bill	$13,466 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`220-475-07-00`

Property Details

APN / Parcel Number

Primary APN	`220-475-07-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,072 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	10,465 sqft (0.24 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	651 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 98 TR 014710
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014710
Legal Block	3
Legal Lot Number	98
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20310

Owner

651 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	651 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
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP
Nov 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage MONEY SOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2004 · Amount on File
Deed Sale	Nov 30, 2004 · Amount on File
Deed Document Number	20041122003
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	651 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000341794
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	651 EDGEWATER DR SAN MARCOS CA 920786001, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000341794
Date	Jun 30, 2020
Instrument	341794

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	651 EDGEWATER DR, SAN MARCOS, CA 92078-6001
Document Number	0000489238
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	651 EDGEWATER DR SAN MARCOS CA 920786001, SAN MARCOS, CA 92078-6001

Mortgage

Document Number	0000489238
Date	Nov 27, 2018
Instrument	489238

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 26, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 651 Edgewater Dr was $13,466 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		$849,936 (+2%) Land $326,985 Building $522,951
2025	$13,466.00 Homeowner's exemption	$833,272 Land $320,574 Building $512,698
2023	$12,605.00 (+1.66%) Homeowner's exemption	$800,918 Land $308,127 Building $492,791
2022	$12,399.00

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

Flood

FEMA maps place 651 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 651 Edgewater Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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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