697 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 697 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,644 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$749,000 (Jul 2019)
Tax Bill	$12,684 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2020 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-19-06`

Property Details

APN / Parcel Number

Primary APN	`222-174-19-06`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,644 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	697 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 96 PER DOC18-0244483&UND INT IN TR 016159
Legal Subdivision	SAN MARCOS #15-006 RHO CORONAD
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	2 Individual Names on Record
Mailing Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 10, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 15, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 21, 2019	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV
Jun 12, 2019	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV
May 10, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC
May 15, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC
May 10, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 12, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE SUBDIVISI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	2019282419
Last Transfer Date	Jan 3, 2022
Transfer Doc	0000009385
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 7, 2022
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000009385
Map Reference	MAP 16159
Instrument Date	Jan 3, 2022
Instrument	2022-0009385
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000009386
Date	Jan 7, 2022
Instrument	2022-0009386

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000077562
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	695 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	0000077562
Date	Feb 14, 2020
Instrument	77562

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000282419
Instrument Date	Jul 8, 2019
Instrument	282419
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 22, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$823.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	697 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	282420
Date	Jul 15, 2019
Instrument	282420

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	Jul 14, 2049

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 21, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000191071
Instrument Date	May 13, 2019
Instrument	191071
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 12, 2019
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount Recorded
Tax	$849.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000228836
Instrument Date	May 8, 2019
Instrument	228836
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 20, 2019
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount Recorded
Tax	$821.15
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	687 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000175765
Instrument Date	May 2, 2019
Instrument	175765
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$767.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	695 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	175766
Date	May 10, 2019
Instrument	175766

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000182298
Instrument Date	Apr 19, 2019
Instrument	182298
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2019
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$844.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	691 GEMSTONE DR SAN MARCOS CA 920781409, SAN MARCOS, CA 92078-1409

Mortgage

Document Number	182299
Date	May 15, 2019
Instrument	182299

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000175758
Instrument Date	Apr 19, 2019
Instrument	175758
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$782.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	175759
Date	May 10, 2019
Instrument	175759

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	May 9, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	697 GEMSTONE DR, SAN MARCOS, CA 92078-1409
Document Number	0000228835
Instrument Date	Jun 11, 2018
Instrument	228835
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3200 PARK CENTER DR #1000 COSTA MESA CA 926267228, 1000, COSTA MESA, CA 92626-7228

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		$839,423 (+2%) Land $334,654 Building $504,769
2025	$12,684.00 (+7.18%) Homeowner's exemption	$822,965 (+4.04%) Land $328,093 Building $494,872
2023	$11,834.00 (+2.29%) Homeowner's exemption	$791,009 Land $315,353 Building $475,656
2022	$11,569.00

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.

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