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686 Saddleback Way, San Marcos, CA 92078 Property Records

San Diego County property record for 686 Saddleback Way, San Marcos, CA 92078

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,771 sqft · built 2005
Lot Size0.228 acres (9,948 sqft)
Owner2 Trust Names on File
Last Sale$610,000 (Mar 2005)
Tax Bill$13,660 (2025)
Deeds & MortgagesSep 2026 Transfer
Mar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN220-474-15-00

Property Details

APN / Parcel Number

Primary APN220-474-15-00

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,771 sqft Living Area

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Lot Area9,948 sqft (0.228 acres)

Location & Zoning

Street Address686 SADDLEBACK WAY
CitySAN MARCOS
StateCA
Zip92078-6002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPA
Legal DescriptionLOT 80 TR 014710
Legal SubdivisionSAN MARCOS THE QUORUM
Legal Tract014710
Legal Block3
Legal Lot Number80
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group3
Census Block3001
Census Tract20310

Owner

686 Saddleback Way is owner-occupied and held in a trust since September 2026.

Source: San Diego County records, as of September 22, 2026

Owner of Record2 Trust Names on File
Mailing Address686 SADDLEBACK WAY, SAN MARCOS, CA 92078-6002
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Sep 14, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 3, 2005 · Amount on File
Deed SaleMar 3, 2005 · Amount on File
Deed Document Number2005177504
Last Transfer DateSep 13, 2026
Transfer Doc0000267375
Record UpdatedOct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateSep 14, 2026
Property Address686 SADDLEBACK WAY, SAN MARCOS, CA 92078-6002
Document Number0000267375
Instrument DateSep 13, 2026
Instrument2026267375
Transaction TypeTransfer
Record UpdatedSep 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address686 SADDLEBACK WAY, SAN MARCOS, CA 92078-6002

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address686 SADDLEBACK WAY, SAN MARCOS, CA 92078-6002
Transaction TypeMortgage
Record UpdatedApr 2, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 SADDLEBACK WAY, SAN MARCOS, CA 92078-6002

Mortgage

Document Number0000225619
DateMar 23, 2021
Instrument2021-0225619
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 686 Saddleback Way was $13,660 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Marcos City
Unified School DistrictSan Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$867,185 (+2%) Land $383,851 Building $483,334
2025$13,660.00 Homeowner's exemption$850,182 Land $376,325 Building $473,857
2023$12,784.00 (+1.65%) Homeowner's exemption$817,170 Land $361,713 Building $455,457
2022$12,576.00

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

Flood

FEMA maps place 686 Saddleback Way 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 686 Saddleback Way is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 81% of California
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemVALLECITOS WD
serves 114,700 people · EPA ID CA3710002
Water SourcePurchased surface water from several systems
Last State InspectionMar 2022
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 374 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
San Diego Broadband
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

May also be available: Spectrum.

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