676 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 676 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,550 sqft · built 2018
Owner	2 Individual Names on File
Last Sale	$698,000 (Mar 2019)
Tax Bill	$11,729 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-30-03`

Property Details

APN / Parcel Number

Primary APN	`222-173-30-03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,550 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	676 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 28 PER DOC18-0297847&UND INT IN PHASE 9 TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15-
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

676 Gemstone Dr, a condominium, is owned and occupied by two individuals who bought it in March 2019.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LENDING LLC
Aug 10, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANFLIGHT LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Deed Document Number	201983115
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000763006
Date	Nov 2, 2021
Instrument	2021-0763006

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000264193
Date	Apr 5, 2021
Instrument	2021-0264193

Lender

Name	LOANFLIGHT LENDING LLC
Type	Mortgage Company
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000461738
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	676 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000461738
Date	Aug 17, 2020
Instrument	461738

Lender

Name	LOANFLIGHT LNDG LLC
Address	TAMPA, FL 33607

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 676 Gemstone Dr was $11,729 with a homeowner's exemption.

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		$794,200 (+2%) Land $341,347 Building $452,853
2025	$11,729.00 Homeowner's exemption	$778,628 Land $334,654 Building $443,974
2023	$10,946.00 (+2.16%) Homeowner's exemption	$748,395 Land $321,660 Building $426,735
2022	$10,715.00

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

Flood

FEMA maps place 676 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 676 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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