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688 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 688 Gemstone Dr, San Marcos, CA 92078 · Last verified July 2026

Property Highlights

Property TypeResidential > Condominium / Townhouse > Condominium
Bedrooms4 Beds
Bathrooms3 Baths
Architecture StyleCondo/Apartment
Year BuiltBuilt 2019
Square Footage2,550 sqft Living Area
OccupancyOwner Occupied
Last Sale$900,000 (2021)
Tax Bill$13,963.00 (2025)

Property Details

APN / Parcel Number

Primary APN222-173-31-03

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,550 sqft Living Area

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleCondo/Apartment Style
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address688 GEMSTONE DR
CitySAN MARCOS
StateCA
Zip92078-1408
Property UsageResidential Property Usage
TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 51 US 34 PER DOC18-0297848&UND INT IN PHASE 10 TR 016159
Legal SubdivisionRANCHO CORONADO VILLAGE M 15-
Legal Tract016159
Legal Block4
Legal Lot Number51
JurisdictionSAN DIEGO CA
Minor Civil DivisionOCEANSIDE-ESCONDIDO
Census Blockgroup4
Census Block4000
Census Tract20044

Owner

Source: San Diego County records · APN 222-173-31-03

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2020Deed of Trust, Mortgage · Conventional Mortgage
BAY EQUITY LLC
Feb 26, 2021Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Apr 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 26, 2021 · Amount on Record
Deed SaleFeb 26, 2021 · Amount on Record
Prior SaleMar 29, 2019 · Amount on Record
Deed Doc Number2021155197
Record RefreshedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG NATIONAL TITLE COMPARY

Transferred To (Grantee/Buyer)

NameVerified Name
Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number0000726959
DateNov 18, 2020
Instrument2020-0726959
Lender
NameBAY EQUITY LLC
TypeMortgage Company
AddressCORTE MADERA, CA 94925
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

February 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateFeb 26, 2021
Property Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number0000155197
Map ReferenceMAP 16159
Instrument DateFeb 01, 2021
Instrument2021-0155197
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyTICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number0000155198
DateFeb 26, 2021
Instrument2021-0155198
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address688 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number0000217519
Instrument DateApr 24, 2020
Transaction TypeMortgage
Record UpdatedMay 08, 2020
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address688 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number0000217519
DateApr 29, 2020
Instrument217519
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 28, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$993,668 (+2%) Land $426,467 Building $567,201
2025$13,963.00 (+7.21%) Homeowner's exemption$974,185 (+4.04%) Land $418,105 Building $556,080
2023$13,024.00 (+2.03%) Homeowner's exemption$936,358 Land $401,870 Building $534,488
2022$12,765.00

Flood & Wildfire

688 Gemstone Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesModerate
45th percentile of exposed land nationally · 26th in California
Wildfire LikelihoodModerate — about 1 in 1,449 per year
ExposureIndirect
within ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

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