653 Merit Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 653 Merit Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,550 sqft · built 2018
Owner	2 Individual Names on File
Last Sale	$768,000 (Apr 2018)
Tax Bill	$10,890 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222-173-02-04`

Property Details

APN / Parcel Number

Primary APN	`222-173-02-04`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,550 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	653 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 129PER DOC18-0047200&UND INT IN PHASE 5 TR 016159
Legal Subdivision	15-006 RHO CORONADO VILLAGE M
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

653 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 Record	2 Individual Names on File
Mailing Address	653 MERIT DR, SAN MARCOS, CA 92078-1403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Deed Document Number	2018169500
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	653 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000018066
Date	Jan 23, 2023
Instrument	2023-0018066

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	653 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000241380
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	653 MERIT DR SAN MARCOS CA 920781403, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000241380
Date	Jun 20, 2019
Instrument	241380

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 19, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 653 Merit Dr was $10,890 with a veteran's exemption.

Source: San Diego County assessment roll, as of July 21, 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		$891,011 (+2%) Land $394,596 Building $496,415
2025	$10,890.00	$873,541 Land $386,859 Building $486,682
2023	$12,032.00 (+2.07%)	$839,623 Land $371,838 Building $467,785
2022	$11,788.00

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

Flood

FEMA maps place 653 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 653 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.

Nearby Properties on Merit Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures