700 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 700 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,550 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$1,175,000 (Feb 2024)
Tax Bill	$16,975 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-21-03`

Property Details

APN / Parcel Number

Primary APN	`222-174-21-03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,550 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	700 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1410
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 52 US 40 PER DOC18-0371665&UND INT IN TR 016159
Legal Subdivision	SAN MARCOS VILLAGE M SAN MARC
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2024	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 6, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Oct 28, 2020	Quit Claim Deed, Transfer HOMEPLUS CORP
Mar 9, 2020	Quit Claim Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on Record
Deed Sale	Feb 15, 2024 · Amount on Record
Prior Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	202439786
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	0000119225
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	0000323399
Date	Nov 17, 2025
Instrument	2025-0323399

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2055

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 15, 2024
Property Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000039786
Map Reference	MAP 16159
Instrument Date	Dec 26, 2023
Instrument	2024-0039786
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	0000039787
Date	Feb 15, 2024
Instrument	2024-0039787

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 6, 2022
Property Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000150786
Map Reference	DOC 2018-371665
Instrument Date	Mar 17, 2022
Instrument	2022-0150786
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	0000150787
Date	Apr 6, 2022
Instrument	2022-0150787

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2020
Property Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000665133
Instrument Date	Oct 22, 2020
Instrument	665133
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	FINANCIAL TITLE, FIN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

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	665134
Date	Oct 28, 2020
Instrument	665134

Lender

Name	HOMEPLUS CORP
Address	SAN DIEGO, CA 92108

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2020
Property Address	700 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000119225
Instrument Date	Feb 28, 2020
Instrument	119225
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

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	119226
Date	Mar 9, 2020
Instrument	119226

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 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		$1,222,470 (+2%) Land $676,260 Building $546,210
2025	$16,975.00 (+1.4%) Homeowner's exemption	$1,198,500 (-2.96%) Land $663,000 Building $535,500
2023	$16,741.00 (+51.89%) Homeowner's exemption	$1,235,000 Land $889,000 Building $346,000
2022	$11,022.00

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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