698 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 698 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,211 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$701,500 (Jun 2019)
Tax Bill	$11,980 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-21-02`

Property Details

APN / Parcel Number

Primary APN	`222-174-21-02`

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 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	698 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 52 US 39 PER DOC18-0371665&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15-
Legal Tract	016159
Legal Block	4
Legal Lot Number	52
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
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	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jul 19, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BK
Jun 13, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC
Jun 12, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC
Jun 14, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage SAN DIEGO FCU
Jun 12, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 12, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 14, 2019	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV
Jun 12, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	2019226827
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000214857
Date	Mar 19, 2021
Instrument	2021-0214857

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000508435
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	696 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	0000508435
Date	Nov 5, 2019
Instrument	508435

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000293713
Instrument Date	Jun 30, 2019
Instrument	293713
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
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	PO BOX 9948 RANCHO SANTA FE CA 920674948, RANCHO SANTA FE, CA 92067-4948

Mortgage

Document Number	293714
Date	Jul 19, 2019
Instrument	293714

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 13, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000231181
Instrument Date	Jun 12, 2019
Instrument	231181
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
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	700 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	231182
Date	Jun 13, 2019
Instrument	231182

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	Jun 12, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000226827
Instrument Date	Jun 7, 2019
Instrument	226827
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$772.00
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	698 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	226828
Date	Jun 12, 2019
Instrument	226828

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	Jun 11, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000231386
Instrument Date	Jun 7, 2019
Instrument	231386
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$766.00
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	706 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	231387
Date	Jun 14, 2019
Instrument	231387

Lender

Name	SAN DIEGO FCU
Type	Credit Union
Address	SAN DIEGO, CA 92196-9040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000228025
Instrument Date	Jun 5, 2019
Instrument	228025
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$776.00
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	696 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

Mortgage

Document Number	228027
Date	Jun 12, 2019
Instrument	228027

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	Jun 11, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000228026
Instrument Date	May 30, 2019
Instrument	228026
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	696 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000231418
Instrument Date	May 29, 2019
Instrument	231418
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount Recorded
Tax	$721.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	704 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2019
Property Address	698 GEMSTONE DR, SAN MARCOS, CA 92078-1408
Document Number	0000228024
Instrument Date	Sep 5, 2018
Instrument	228024
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	696 GEMSTONE DR SAN MARCOS CA 920781408, SAN MARCOS, CA 92078-1408

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		$797,618 (+2%) Land $341,347 Building $456,271
2025	$11,980.00 (+7.23%) Homeowner's exemption	$781,979 (+4.04%) Land $334,654 Building $447,325
2023	$11,172.00 (+2.34%) Homeowner's exemption	$751,615 Land $321,660 Building $429,955
2022	$10,917.00

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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