San Diego County property record for 655 Gemstone Dr, San Marcos, CA 92078
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 3 ba · 2,646 sqft · built 2018 |
| Owner | Individual Name on File |
| Last Sale | $1,288,000 (Oct 2023) |
| Tax Bill | $17,922 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 222-173-08-01 |
| Primary APN | 222-173-08-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,646 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Condo/Apartment |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 655 GEMSTONE DR |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92078-1409 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SPECIFIC P |
| Legal Description | LOT 28 US 79 PER DOC18-0160207&UND INT IN PHASE 7 TR 016159 |
| Legal Subdivision | RANCHO CORONADO VILLAGE M #15- |
| Legal Tract | 016159 |
| Legal Block | 4 |
| Legal Lot Number | 28 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 20044 |
Source: San Diego County records · APN 222-173-08-01
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4611 TORREY CIR, T210, SAN DIEGO, CA 92130-6681 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Oct 25, 2023 | Grant Deed, Transfer TITLE FLORIDA INC, TITLE FORWARD OF CA INC |
| Oct 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 25, 2023 · Amount on Record |
| Deed Sale | Oct 25, 2023 · Amount on Record |
| Prior Sale | Dec 11, 2018 · Amount on Record |
| Deed Document Number | 2023292704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 25, 2023 |
| Property Address | 655 GEMSTONE DR, SAN MARCOS, CA 92078-1409 |
| Document Number | 0000292704 |
| Map Reference | MAP 16159 |
| Instrument Date | Oct 21, 2023 |
| Instrument | 2023-0292704 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2023 |
| Title Company | TITLE FLORIDA INC, TITLE FORWARD OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4611 TORREY CIR # CIRT210, CIRT210, SAN DIEGO, CA 92130-8923 |
| Name | Verified Name |
|---|---|
| Address | 4611 TORREY CIR APT T210, T210, SAN DIEGO, CA 92130-6681 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 655 GEMSTONE DR, SAN MARCOS, CA 92078-1409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000474212 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 2019-0474212 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 655 GEMSTONE DR, SAN MARCOS, CA 92078-1409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 655 GEMSTONE DR, SAN MARCOS, CA 92078-1409 |
| Document Number | 0000514588 |
|---|---|
| Date | Sep 03, 2020 |
| Instrument | 2020-0514588 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Marcos City |
| Unified School District | San Marcos Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,340,035 (+2%) Land $832,320 Building $507,715 | |
| 2025 | $17,922.00 (+53.8%) | $1,313,760 (+61.71%) Land $816,000 Building $497,760 |
| 2023 | $11,653.00 (+2.1%) Homeowner's exemption | $812,405 Land $332,381 Building $480,024 |
| 2022 | $11,413.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 468 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VALLECITOS WD serves 114,700 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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