655 Merit Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 655 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 Record
Last Sale	$1,140,000 (Nov 2023)
Tax Bill	$16,198 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-02-05`

Property Details

APN / Parcel Number

Primary APN	`222-173-02-05`

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	655 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 130PER 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	225 QUARRY POINT RD, MALVERN, PA 19355-0108
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 22, 2023	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC RESIDENTIAL MORTGAGE LLC
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 8, 2020	Quit Claim Deed, Transfer TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA
Sep 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Mar 23, 2020	Quit Claim Deed, Transfer INGEO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on Record
Deed Sale	Nov 22, 2023 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	2023325815
Prior Transfer Date	Aug 31, 2020
Prior Transfer Doc	0000518600
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 QUARRY POINT RD, MALVERN, PA 19355-0108

Mortgage

Document Number	0000328968
Date	Nov 20, 2025
Instrument	2025-0328968

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 22, 2023
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000325815
Map Reference	MAP 16159
Instrument Date	Nov 3, 2023
Instrument	2023-0325815
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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
Relationship	Community Property
Address	225 QUARRY POINT RD, MALVERN, PA 19355-0108

Mortgage

Document Number	0000325816
Date	Nov 22, 2023
Instrument	2023-0325816

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.6%
Max Rate	12.6%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000717914
Date	Oct 14, 2021
Instrument	2021-0717914

Lender

Name	PACIFIC RESIDENTIAL MORTGAGE LLC
Type	Mortgage Company
Address	BEAVERTON, OR 97005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000563509
Date	Dec 4, 2019
Instrument	2019-0563509

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000518600
Instrument Date	Aug 31, 2020
Instrument	518600
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	655 MERIT DR SAN MARCOS CA 920781403, SAN MARCOS, CA 92078-1403

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2020
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000516294
Map Reference	MAP 16159
Instrument Date	Aug 31, 2020
Instrument	2020-0516294
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000516296
Date	Sep 4, 2020
Instrument	2020-0516296

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 23, 2020
Property Address	655 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000147203
Instrument Date	Jan 28, 2020
Instrument	147203
Transaction Type	Transfer
Record Updated	Apr 9, 2020
Title Company	INGEO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	655 MERIT DR SAN MARCOS CA 920781403, SAN MARCOS, CA 92078-1403

Tax Assessment & Valuation

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		$1,186,056 (+2%) Land $712,674 Building $473,382
2025	$16,198.00 (+42.21%)	$1,162,800 (+47.46%) Land $698,700 Building $464,100
2023	$11,390.00 (+2.12%) Homeowner's exemption	$788,537 Land $371,838 Building $416,699
2022	$11,153.00

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

Flood

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

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.

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