708 Kirkwall Dr, San Marcos, CA 92069 Property Records

San Diego County property record for 708 Kirkwall Dr, San Marcos, CA 92069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,897 sqft · built 2005
Lot Size	0.167 acres (7,276 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Mar 2013)
Tax Bill	$5,165 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-501-03-00`

Property Details

APN / Parcel Number

Primary APN	`220-501-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,897 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	7,276 sqft (0.167 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	708 KIRKWALL DR
City	SAN MARCOS
State	CA
Zip	92069-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 32 TR 014726
Legal Subdivision	SAN MARCOS ESTATES
Legal Tract	014726
Legal Block	4
Legal Lot Number	32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4004
Census Tract	20021

Owner

708 Kirkwall Dr is owned and occupied by an individual who acquired it in July 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONS HOME FINANCE CORP
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Aug 5, 2019	Quit Claim Deed, Transfer · Conventional Mortgage FIRST NATIONS HM FIN
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONS HM FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2013 · Amount on File
Deed Sale	Mar 5, 2013 · Amount on File
Prior Sale	Mar 2, 2007 · Amount on File
Deed Document Number	2013142728
Last Transfer Date	Jul 23, 2019
Transfer Doc	0000325311
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136

Mortgage

Document Number	0000626183
Date	Sep 2, 2021
Instrument	2021-0626183

Lender

Name	FIRST NATIONS HOME FINANCE CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136

Mortgage

Document Number	0000261185
Date	Sep 26, 2023
Instrument	2023-0261185

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 5, 2019
Property Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136
Document Number	0000325311
Instrument Date	Jul 23, 2019
Instrument	325311
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	708 KIRKWALL DR SAN MARCOS CA 920698136, SAN MARCOS, CA 92069-8136

Mortgage

Document Number	325312
Date	Aug 5, 2019
Instrument	325312

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 4, 2039

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	708 KIRKWALL DR, SAN MARCOS, CA 92069-8136
Document Number	0000319150
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 KIRKWALL DR SAN MARCOS CA 920698136, SAN MARCOS, CA 92069-8136

Mortgage

Document Number	0000319150
Date	Jul 14, 2017
Instrument	319150

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 708 Kirkwall Dr was $5,165.

Source: San Diego County assessment roll, as of July 28, 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		$381,828 (+2%) Land $241,088 Building $140,740
2025	$5,165.00	$374,342 Land $236,361 Building $137,981
2023	$4,813.00 (+1.93%)	$359,808 Land $227,184 Building $132,624
2022	$4,722.00

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

Flood

FEMA maps place 708 Kirkwall Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 708 Kirkwall Dr is moderate, ranking above 45% 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 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile, Verizon.

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