708 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 708 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3.5 ba · 2,392 sqft · built 2019
Owner	2 Individual Names on File
Last Sale	$693,000 (Jul 2019)
Tax Bill	$11,805 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-22-01`

Property Details

APN / Parcel Number

Primary APN	`222-174-22-01`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,392 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	708 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 53 US 44 PER DOC19-0108906&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15-
Legal Tract	016159
Legal Block	4
Legal Lot Number	53
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

708 Gemstone Dr, a condominium, is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 17, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Jul 24, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC
Jul 9, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC
Jun 28, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI NAVY FCU
Jun 28, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI CALIFORNIA CU
Jun 28, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage MUFG UNION BK NA
Jun 28, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 19, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE SUBDIVISI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Deed Document Number	2019272537
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000324196
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 4, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	708 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	0000324196
Date	Jun 22, 2020
Instrument	324196

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 24, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000299572
Instrument Date	Jul 8, 2019
Instrument	299572
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2019
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$737.55
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	710 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	299573
Date	Jul 24, 2019
Instrument	299573

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 9, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000272537
Instrument Date	Jul 5, 2019
Instrument	272537
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2019
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.30
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	708 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	272538
Date	Jul 9, 2019
Instrument	272538

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000256720
Instrument Date	Jun 25, 2019
Instrument	256720
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 15, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	718 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	256721
Date	Jun 28, 2019
Instrument	256721

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000255022
Instrument Date	Jun 20, 2019
Instrument	255022
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 8, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$729.85
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	716 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	255023
Date	Jun 28, 2019
Instrument	255023

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.62%

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000255029
Instrument Date	Jun 19, 2019
Instrument	255029
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 8, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.60
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	712 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	255030
Date	Jun 28, 2019
Instrument	255030

Lender

Name	MUFG UNION BK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000255024
Instrument Date	May 31, 2019
Instrument	255024
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 15, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$754.60
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	714 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	255025
Date	Jun 28, 2019
Instrument	255025

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 19, 2019
Property Address	708 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000238986
Instrument Date	Mar 25, 2019
Instrument	238986
Transaction Type	Transfer
Record Updated	Jun 26, 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

The 2025 property tax bill for 708 Gemstone Dr was $11,805 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		$772,499 (+2%) Land $334,654 Building $437,845
2025	$11,805.00 Homeowner's exemption	$757,353 Land $328,093 Building $429,260
2023	$11,012.00 (+2.36%) Homeowner's exemption	$727,946 Land $315,353 Building $412,593
2022	$10,758.00

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

Flood

FEMA maps place 708 Gemstone 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 708 Gemstone 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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