674 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 674 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2018
Owner	2 Company Names on Record
Last Sale	$643,000 (Dec 2018)
Tax Bill	$10,872 (2025)
Deeds & Mortgages	Jan 2024 Transfer Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-30-02`

Property Details

APN / Parcel Number

Primary APN	`222-173-30-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,211 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	674 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 50 US 27 PER DOC18-0297847&UND INT IN PHASE 9 TR 016159
Legal Subdivision	15-006 RHO CORONADO VILLAGE M
Legal Tract	016159
Legal Block	4
Legal Lot Number	50
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 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	674 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Intrafamily Transfer, Transfer
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	2018506828
Last Transfer Date	Jan 24, 2024
Transfer Doc	0000022992
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 29, 2024
Property Address	674 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000022992
Map Reference	MAP 16159
Instrument Date	Jan 24, 2024
Instrument	2024-0022992
Transaction Type	Transfer
Record Updated	Feb 6, 2024

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
Relationship	Family Trust
Address	674 GEMSTONE DR, SAN MARCOS, CA 92078-1408

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	674 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 GEMSTORE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000839789
Date	Dec 29, 2020
Instrument	2020-0839789

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	674 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000020700
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	674 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000020700
Date	Jan 15, 2020
Instrument	20700

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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		$731,620 (+2%) Land $341,347 Building $390,273
2025	$10,872.00 (+7.17%)	$717,275 (+4.04%) Land $334,654 Building $382,621
2023	$10,145.00 (+2.19%)	$689,424 Land $321,660 Building $367,764
2022	$9,928.00

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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