697 Merit Dr, San Marcos, CA 92078 Property Records

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

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2017
Owner	2 Individual Names on File
Last Sale	$1,085,000 (Oct 2022)
Tax Bill	$15,943 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222-174-01-05`

Property Details

APN / Parcel Number

Primary APN	`222-174-01-05`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,211 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	697 MERIT DR
City	SAN MARCOS
State	CA
Zip	92078-1403
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 5 US 151 PER DOC19-0338362&UND INT IN TR 016159
Legal Subdivision	TERRACINA/RHO TESORO 16159 PH
Legal Tract	016159
Legal Block	4
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

697 Merit Dr, a condominium, is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	697 MERIT DR, SAN MARCOS, CA 92078-1403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 14, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Jul 14, 2020 · Amount on File
Deed Document Number	2022399224
Record Updated	Sep 20, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2022
Property Address	697 MERIT DR, SAN MARCOS, CA 92078-1403
Document Number	0000399224
Map Reference	MAP 16159
Instrument Date	Sep 29, 2022
Instrument	2022-0399224
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	697 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000399225
Date	Oct 14, 2022
Instrument	2022-0399225

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Mortgage

Document Number	0000399226
Date	Oct 14, 2022
Instrument	2022-0399226

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	697 MERIT DR, SAN MARCOS, CA 92078-1403
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	697 MERIT DR, SAN MARCOS, CA 92078-1403

Mortgage

Document Number	0000679239
Date	Sep 28, 2021
Instrument	2021-0679239

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 697 Merit Dr was $15,943 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		$1,151,410 (+2%) Land $833,048 Building $318,362
2025	$15,943.00 Homeowner's exemption	$1,128,834 Land $816,714 Building $312,120
2023	$14,934.00 (+32%)	$1,085,000 Land $785,000 Building $300,000
2022	$11,314.00

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

Flood

FEMA maps place 697 Merit 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 697 Merit 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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