684 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 684 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,392 sqft · built 2019
Owner	2 Trust Names on File
Last Sale	$992,500 (Oct 2021)
Tax Bill	$14,736 (2025)
Deeds & Mortgages	Sep 2023 Transfer Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-173-31-01`

Property Details

APN / Parcel Number

Primary APN	`222-173-31-01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,392 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	684 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 51 US 32 PER DOC18-0297848&UND INT IN PHASE 10 TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M 15-0
Legal Tract	016159
Legal Block	4
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

684 Gemstone Dr, a condominium, is owner-occupied and held in a trust since August 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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 21, 2023	Intrafamily Transfer, Transfer
Oct 15, 2021	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 29, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Document Number	2021719728
Last Transfer Date	Aug 31, 2023
Transfer Doc	0000256566
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2023
Property Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000256566
Map Reference	MAP 16159
Instrument Date	Aug 31, 2023
Instrument	2023-0256566
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2021
Property Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000719728
Map Reference	DOC 2018-0297848
Instrument Date	Sep 21, 2021
Instrument	2021-0719728
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

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	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000719729
Date	Oct 15, 2021
Instrument	2021-0719729

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000835835
Date	Dec 28, 2020
Instrument	2020-0835835

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000116052
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	684 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000116052
Date	Mar 5, 2020
Instrument	116052

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 684 Gemstone Dr was $14,736 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		$1,074,310 (+2%) Land $448,242 Building $626,068
2025	$14,736.00 Homeowner's exemption	$1,053,246 Land $439,453 Building $613,793
2023	$13,815.00 (+1.96%)	$1,012,349 Land $422,390 Building $589,959
2022	$13,549.00

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

Flood

FEMA maps place 684 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 684 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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