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709 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 709 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property TypeCondominium
Details4 bd · 3 ba · 2,458 sqft · built 2019
Owner2 Individual Names on Record
Last Sale$1,140,000 (Aug 2023)
Tax Bill$16,517 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN222-174-18-05

Property Details

APN / Parcel Number

Primary APN222-174-18-05

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,458 sqft Living Area

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleCondo/Apartment
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address709 GEMSTONE DR
CitySAN MARCOS
StateCA
Zip92078-1411
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSPECIFIC P
Legal DescriptionLOT 22 US 101PER DOC18-0380941&UND INT IN TR 016159
Legal SubdivisionRANCHO CORONADO VILLAGE M #15-
Legal Tract016159
Legal Block4
Legal Lot Number22
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group4
Census Block4001
Census Tract20044

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 Record2 Individual Names on Record
Mailing Address7094GEMSTONE DR, SAN MARCOS, CA 92078
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Aug 25, 2023Grant Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Jun 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
MY POINT CU SD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 25, 2023 · Amount on Record
Deed SaleAug 25, 2023 · Amount on Record
Deed Document Number2023232638
Record UpdatedSep 20, 2026

August 2023: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateAug 25, 2023
Property Address709 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Document Number0000232638
Map ReferenceMAP 16159
Instrument DateAug 22, 2023
Instrument2023-0232638
Transaction TypeTransfer
Record UpdatedSep 4, 2023
Title CompanyFIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address709 GEMSTONE DR, SAN MARCOS, CA 92078-1411

Mortgage

Document Number0000232639
DateAug 25, 2023
Instrument2023-0232639
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address709 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000341991
DateJun 30, 2020
Instrument2020-0341991
Lender
NameMY POINT CU SD
TypeCredit Union
AddressSAN DIEGO, CA 92123
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateJul 1, 2025
Change Frequency5 Years
Min Rate At Change2.75%
Max Rate At Change4.75%
Index5-Year CMT
Max Rate7.75%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalitySan Marcos City
Unified School DistrictSan Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,186,056 (+2%) Land $676,260 Building $509,796
2025$16,517.00 (+47.09%)$1,162,800 (+55.52%) Land $663,000 Building $499,800
2023$11,229.00 (+2.33%) Homeowner's exemption$747,666 Land $315,353 Building $432,313
2022$10,973.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.07% annual chance
ExposureIndirect
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 SystemVALLECITOS WD
serves 114,700 people · EPA ID CA3710002
Water SourcePurchased surface water from several systems
Last State InspectionMar 2022
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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