San Diego County property record for 654 Borden Rd, San Marcos, CA 92069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,471 sqft · built 1962 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (Jun 2021) |
| Tax Bill | $8,427 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 218-180-20-00 |
| Primary APN | 218-180-20-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,471 sqft Living Area |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Lot Area | 10,200 sqft (0.234 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 654 BORDEN RD |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92069-1907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Description | BLK 26 LOT 6 PAR 7 AS PER ROS 6018 IN TR 000806 |
| Legal Subdivision | RANCHO LOS VALLECITOS DE SAN M |
| Legal Tract | 000806 |
| Legal Block | 26 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20040 |
654 Borden Rd is owned by two individuals who bought it in June 2021.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 BOWIE PL, IRVINE, CA 92602-0760 |
| 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.
| Date | Document |
|---|---|
| Jan 11, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Jun 18, 2021 | Grant Deed, Transfer · Conventional Mortgage IAPPROVE LENDING INC |
| Mar 25, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2021 · Amount on File |
| Deed Sale | Jun 18, 2021 · Amount on File |
| Prior Sale | Oct 11, 2016 · Amount on File |
| Deed Document Number | 2021448860 |
| Prior Transfer Date | Mar 20, 2020 |
| Prior Transfer Doc | 0000154796 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 654 BORDEN RD, SAN MARCOS, CA 92069-1907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | SOUTHWEST FINANCIAL SVCS LTD |
| Name | Verified Name |
|---|
| Document Number | 0000015665 |
|---|---|
| Date | Jan 11, 2017 |
| Instrument | 2017-0015665 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 654 BORDEN RD, SAN MARCOS, CA 92069-1907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000048475 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 2020-0048475 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 18, 2021 |
| Property Address | 654 BORDEN RD, SAN MARCOS, CA 92069-1907 |
| Document Number | 0000448860 |
| Map Reference | MAP 806 |
| Instrument Date | May 25, 2021 |
| Instrument | 2021-0448860 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | CORINTHIAN TITLE-SD, CORINTHIAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 654 BORDEN RD, SAN MARCOS, CA 92069-1907 |
| Document Number | 0000448861 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2021-0448861 |
| Name | IAPPROVE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 25, 2020 |
| Property Address | 654 BORDEN RD, SAN MARCOS, CA 92069-1907 |
| Document Number | 0000154796 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 154796 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 654 BORDEN RD SAN MARCOS CA 920691907, SAN MARCOS, CA 92069-1907 |
The 2025 property tax bill for 654 Borden Rd was $8,427.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Marcos City |
| Unified School District | San Marcos Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $756,292 (+2%) Land $645,886 Building $110,406 | |
| 2025 | $8,427.00 Homeowner's exemption | $741,464 Land $633,222 Building $108,242 |
| 2023 | $7,832.00 (+1.39%) Homeowner's exemption | $712,674 Land $608,634 Building $104,040 |
| 2022 | $7,725.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 654 Borden Rd 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 risk around 654 Borden Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 80% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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