677 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 677 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,646 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$849,000 (Apr 2019)
Tax Bill	$13,729 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-05-06`

Property Details

APN / Parcel Number

Primary APN	`222-173-05-06`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,646 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	677 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 90 PER DOC18-0228691&UND INT IN PHASE 8 TR 016159
Legal Subdivision	RANCHO 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 22, 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	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 29, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 2, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANLOCK
Dec 2, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANLOCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Deed Document Number	2019130883
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000185825
Date	Mar 10, 2021
Instrument	2021-0185825

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000309337
Date	Jul 29, 2019
Instrument	2019-0309337

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000572668
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	677 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000572668
Date	Dec 9, 2019
Instrument	572668

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2034

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	677 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000254986
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	677 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000254986
Date	May 20, 2020
Instrument	254986

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 19, 2035

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		$965,685 (+2%) Land $341,347 Building $624,338
2025	$13,729.00 (+7.18%)	$946,751 (+4.04%) Land $334,654 Building $612,097
2023	$12,809.00 (+2.02%)	$909,990 Land $321,660 Building $588,330
2022	$12,555.00

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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