654 Arcadia Bluff Ct, San Marcos, CA 92069 Property Records

San Diego County property record for 654 Arcadia Bluff Ct, San Marcos, CA 92069

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,497 sqft · built 2003
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$1,850,000 (Oct 2023)
Tax Bill	$26,078 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`218-050-33-00`

Property Details

APN / Parcel Number

Primary APN	`218-050-33-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,497 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	21,780 sqft (0.5 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	654 ARCADIA BLUFF CT
City	SAN MARCOS
State	CA
Zip	92069-8125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	LOT 3 TR 014504
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014504
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1011
Census Tract	20040

Owner

654 Arcadia Bluff Ct is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Oct 24, 2023	Quit Claim Deed, Transfer TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO
Oct 24, 2023	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 19, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Prior Sale	Nov 19, 2018 · Amount on File
Deed Document Number	2023291759
Prior Transfer Date	Oct 12, 2023
Prior Transfer Doc	0000291758
Record Updated	Sep 20, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2023
Property Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125
Document Number	0000291758
Map Reference	MAP 14504
Instrument Date	Oct 12, 2023
Instrument	2023-0291758
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2023
Property Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125
Document Number	0000291759
Map Reference	MAP 14504
Instrument Date	Oct 6, 2023
Instrument	2023-0291759
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125

Mortgage

Document Number	0000291760
Date	Oct 24, 2023
Instrument	2023-0291760

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432048
Date	Sep 30, 2019
Instrument	2019-0432048

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 19, 2018
Property Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125
Document Number	0000480725
Map Reference	MAP 14504
Instrument Date	Oct 22, 2018
Instrument	2018-0480725
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 ARCADIA BLUFF CT, SAN MARCOS, CA 92069-8125

Mortgage

Document Number	0000480726
Date	Nov 19, 2018
Instrument	2018-0480726

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 654 Arcadia Bluff Ct was $26,078.

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		$1,924,740 (+2%) Land $1,300,500 Building $624,240
2025	$26,078.00	$1,887,000 Land $1,275,000 Building $612,000
2023	$15,493.00 (+1.73%)	$1,017,117 Land $326,319 Building $690,798
2022	$15,229.00

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

Flood

FEMA maps place 654 Arcadia Bluff Ct 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	5 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 654 Arcadia Bluff Ct is moderate, ranking above 42% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.09% 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 273 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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