680 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 680 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2018
Owner	2 Trust Names on File
Last Sale	$1,175,000 (Apr 2022)
Tax Bill	$16,923 (2025)
Deeds & Mortgages	Sep 2026 Transfer Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-30-05`

Property Details

APN / Parcel Number

Primary APN	`222-173-30-05`

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	680 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 30 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

680 Gemstone Dr, a condominium, is owner-occupied and held in a trust since September 2026.

Source: San Diego County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Sep 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 22, 2022	Grant Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Apr 13, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on File
Deed Sale	Apr 22, 2022 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	2022176576
Last Transfer Date	Sep 10, 2026
Transfer Doc	0000280027
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 25, 2026
Property Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000280027
Instrument Date	Sep 10, 2026
Instrument	2026280027
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2022
Property Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000176576
Map Reference	MAP 16159
Instrument Date	Apr 18, 2022
Instrument	2022-0176576
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000176577
Date	Apr 22, 2022
Instrument	2022-0176577

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000284634
Date	Apr 13, 2021
Instrument	2021-0284634

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 680 Gemstone Dr was $16,923.

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		$1,271,855 (+2%) Land $757,701 Building $514,154
2025	$16,923.00	$1,246,918 Land $742,845 Building $504,073
2023	$15,357.00 (+51.79%)	$1,161,000 Land $691,000 Building $470,000
2022	$10,117.00

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

Flood

FEMA maps place 680 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 680 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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