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656 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 656 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property TypeCondominium
Details4 bd · 3 ba · 2,392 sqft · built 2018
Owner2 Company Names on Record
Last Sale$700,000 (Oct 2018)
Tax Bill$11,750 (2025)
Deeds & MortgagesSep 2026 Sale
Mar 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN222-173-28-04

Property Details

APN / Parcel Number

Primary APN222-173-28-04

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,392 sqft Living Area

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleCondo/Apartment
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address656 GEMSTONE DR
CitySAN MARCOS
StateCA
Zip92078-1408
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSPECIFIC P
Legal DescriptionLOT 48 US 17 PER DOC18-0169959&UND INT IN PHASE 7 TR 016159
Legal Subdivision15-006 RHO CORONADO VILLAGE M
Legal Tract016159
Legal Block4
Legal Lot Number48
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group4
Census Block4000
Census Tract20044

Owner

Source: San Diego County records, as of September 14, 2026

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

Owner of Record2 Company Names on Record
Mailing Address656 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Sep 1, 2026Grant Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANFLIGHT LNDG LLC
Mar 22, 2019Deed of Trust, Mortgage · Conventional Mortgage
LOANFLIGHT LNDG LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 19, 2018 · Amount on Record
Deed SaleOct 19, 2018 · Amount on Record
Deed Document Number2018435399
Record UpdatedOct 29, 2026

September 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateSep 1, 2026
Property Address656 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number0000257181
Instrument DateAug 29, 2026
Instrument2026257181
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address656 GEMSTONE DR, SAN MARCOS, CA 92078-1408

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address656 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number0000135145
Instrument DateMar 9, 2020
Transaction TypeMortgage
Record UpdatedApr 1, 2020
Title CompanyNATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address656 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number0000135145
DateMar 16, 2020
Instrument135145
Lender
NameLOANFLIGHT LNDG LLC
AddressTAMPA, FL 33607
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 15, 2050

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address656 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number0000112964
Instrument DateMar 22, 2019
Transaction TypeMortgage
Record UpdatedApr 5, 2019
Title CompanyTRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address656 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number0000112964
DateMar 29, 2019
Instrument112964
Lender
NameLOANFLIGHT LNDG LLC
AddressTAMPA, FL 33607
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 28, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Marcos City
Unified School DistrictSan Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$796,105 (+2%) Land $341,347 Building $454,758
2025$11,750.00 (+7.15%) Homeowner's exemption$780,496 (+4.04%) Land $334,654 Building $445,842
2023$10,966.00 (+2.15%) Homeowner's exemption$750,190 Land $321,660 Building $428,530
2022$10,735.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.03% annual chance
ExposureIndirect
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 SystemVALLECITOS WD
serves 114,700 people · EPA ID CA3710002
Water SourcePurchased surface water from several systems
Last State InspectionMar 2022
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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