671 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 671 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	5 bd · 4.5 ba · 3,009 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jul 2024)
Tax Bill	$17,529 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-05-03`

Property Details

APN / Parcel Number

Primary APN	`222-173-05-03`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,009 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	671 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 25 US 87 PER DOC18-0228691&UND INT IN PHASE 8 TR 016159
Legal Subdivision	15-006 RHO CORONADO VILLAGE M
Legal Tract	016159
Legal Block	4
Legal Lot Number	25
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 21, 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	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAST WEST BANK
Nov 18, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Mar 28, 2019	Grant Deed, Subdivision Related Transfer · ARM EAST WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on Record
Deed Sale	Jul 26, 2024 · Amount on Record
Prior Sale	Nov 18, 2020 · Amount on Record
Deed Document Number	2024195948
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000046445
Date	Feb 19, 2026
Instrument	2026-0046445

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Mar 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	5-Year CMT
Margin	2
Max Rate	10.6%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000274486
Date	May 29, 2020
Instrument	2020-0274486

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jun 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 18, 2020
Property Address	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000732424
Instrument Date	Nov 3, 2020
Instrument	732424
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$935.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	671 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2019
Property Address	671 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000111812
Map Reference	MAP 16159
Instrument Date	Mar 22, 2019
Instrument	2019-0111812
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Joint Tenants
Address	5215 FIORE TERRANCE #A209 # A209, A209, SAN DIEGO, CA 92122-5623

Mortgage

Document Number	0000111813
Date	Mar 28, 2019
Instrument	2019-0111813

Lender

Name	EAST WEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,275,000 (+2%) Land $663,000 Building $612,000
2025	$17,529.00 (+36.43%)	$1,250,000 (+41.35%) Land $650,000 Building $600,000
2023	$12,848.00 (+2.04%)	$884,338 Land $336,189 Building $548,149
2022	$12,591.00

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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