675 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 675 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,458 sqft · built 2019
Owner	2 Individual Names on File
Last Sale	$975,000 (Jul 2021)
Tax Bill	$14,524 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222-173-05-05`

Property Details

APN / Parcel Number

Primary APN	`222-173-05-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,458 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	675 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 89 PER DOC18-0228691&UND INT IN PHASE 8 TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M 15-0
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

675 Gemstone Dr, a condominium, is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	675 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 2, 2021	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Apr 10, 2019 · Amount on File
Deed Document Number	2021481634
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	675 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000018850
Date	Jan 13, 2022
Instrument	2022-0018850

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2021
Property Address	675 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000481634
Map Reference	MAP 16159
Instrument Date	Jun 26, 2021
Instrument	2021-0481634
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
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 with Right of Survivorship
Address	675 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000481635
Date	Jul 2, 2021
Instrument	2021-0481635

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Mortgage

Document Number	0000481636
Date	Jul 2, 2021
Instrument	2021-0481636

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 675 Gemstone Dr was $14,524 with a homeowner's exemption.

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		$1,055,368 (+2%) Land $452,948 Building $602,420
2025	$14,524.00 Homeowner's exemption	$1,034,675 Land $444,067 Building $590,608
2023	$13,541.00 (+1.4%)	$994,499 Land $426,824 Building $567,675
2022	$13,354.00

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

Flood

FEMA maps place 675 Gemstone Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 675 Gemstone Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of 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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