676 Merit Dr, San Marcos, CA 92078 Property Records

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

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,458 sqft · built 2017
Lot Size	0.39 acres (17,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,305,000 (Sep 2024)
Tax Bill	$17,692 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-06-02`

Property Details

APN / Parcel Number

Primary APN	`222-173-06-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,458 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Lot Area	17,024 sqft (0.39 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	676 MERIT DR
City	SAN MARCOS
State	CA
Zip	92078-1402
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	LOT 26 US 183 PER DOC17-0526774&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15-
Legal Tract	016159
Legal Block	4
Legal Lot Number	26
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	676 MERIT DR, SAN MARCOS, CA 92078-1402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 28, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Document Number	2024249121
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 MERIT DR, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	0000017412
Date	Jan 21, 2026
Instrument	2026-0017412

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 MERIT DR, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	0000681747
Date	Nov 3, 2020
Instrument	2020-0681747

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 MERIT DR, SAN MARCOS, CA 92078-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000315838
Date	Jun 18, 2020
Instrument	2020-0315838

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 28, 2017
Property Address	676 MERIT DR, SAN MARCOS, CA 92078-1402
Document Number	0000613154
Instrument Date	Dec 19, 2017
Instrument	613154
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.05
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	676 MERIT DR SAN MARCOS CA 920781402, SAN MARCOS, CA 92078-1402

Mortgage

Document Number	613155
Date	Dec 28, 2017
Instrument	613155

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

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		$1,331,100 (+2%) Land $816,000 Building $515,100
2025	$17,692.00 (+58.05%)	$1,305,000 (+66.84%) Land $800,000 Building $505,000
2023	$11,194.00 (+2.13%) Homeowner's exemption	$782,170 Land $382,775 Building $399,395
2022	$10,961.00

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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