657 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 657 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,458 sqft · built 2018
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Jun 2025)
Tax Bill	$11,990 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jul 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-08-02`

Property Details

APN / Parcel Number

Primary APN	`222-173-08-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,458 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	657 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 80 PER DOC18-0160207&UND INT IN PHASE 7 TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M 15-0
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

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	657 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 28, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Mar 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2025 · Amount on Record
Deed Sale	Jun 5, 2025 · Amount on Record
Prior Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	2025150361
Prior Transfer Date	Jun 30, 2020
Prior Transfer Doc	0000412230
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000356197
Date	Aug 21, 2019
Instrument	2019-0356197

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2020
Property Address	657 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000412230
Instrument Date	Jun 30, 2020
Instrument	412230
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

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	657 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2020
Property Address	657 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000412228
Instrument Date	Jun 30, 2020
Instrument	412228
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	412229
Date	Jul 28, 2020
Instrument	412229

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2020
Property Address	657 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000130707
Instrument Date	Mar 3, 2020
Instrument	130707
Transaction Type	Transfer
Record Updated	Mar 30, 2020
Title Company	NOT AVAILABLE

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	657 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

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		$1,172,999 (+45.55%) Land $487,073 Building $685,926
2025	$11,990.00 (+7.17%)	$805,935 (+4.04%) Land $334,654 Building $471,281
2023	$11,188.00 (+2.11%)	$774,642 Land $321,660 Building $452,982
2022	$10,957.00

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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