689 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 689 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,458 sqft · built 2019
Owner	Individual Name on Record
Last Sale	$711,000 (May 2019)
Tax Bill	$12,213 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-19-02`

Property Details

APN / Parcel Number

Primary APN	`222-174-19-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,458 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	689 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 23 US 92 PER DOC18-0244483&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M 15-
Legal Tract	016159
Legal Block	4
Legal Lot Number	23
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 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Deed Document Number	2019175758
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 21, 2026
Property Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000109887
Instrument Date	Apr 15, 2026
Instrument	2026109887
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Investor	Possibly a Property Investor

Mortgage

Document Number	0000109887,
Date	Apr 21, 2026
Instrument	2026109887

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Investor	Possibly a Property Investor

Mortgage

Document Number	0000273284
Date	Oct 10, 2023
Instrument	2023-0273284

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 9, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	689 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000212690
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000212690
Date	Apr 27, 2020
Instrument	212690

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

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		$808,992 (+2%) Land $341,347 Building $467,645
2025	$12,213.00 (+4.74%) Homeowner's exemption	$793,130 (+4.04%) Land $334,654 Building $458,476
2024	$11,660.00 (+2.35%)
2023	$11,392.00 (+2.33%) Homeowner's exemption	$762,334 Land $321,660 Building $440,674
2022	$11,133.00

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.

Nearby Properties on Gemstone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures