San Diego County property record for 709 Merit Dr, San Marcos, CA 92078
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 2,211 sqft · built 2019 |
| Owner | 2 Individual Names on File |
| Last Sale | $1,000,000 (Sep 2026) |
| Tax Bill | $11,645 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 222-174-02-05 |
| Primary APN | 222-174-02-05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,211 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Condo/Apartment |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 709 MERIT DR |
|---|---|
| City | SAN MARCOS |
| State | CA |
| Zip | 92078-1405 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SPECIFIC P |
| Legal Description | LOT 6 US 157 PER DOC19-0338362&UND INT IN TR 016159 |
| Legal Subdivision | TERRACINA/RHO TESORO 16159 PH |
| Legal Tract | 016159 |
| Legal Block | 4 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20044 |
709 Merit Dr, a condominium, is owned and occupied by two individuals who bought it in September 2026.
Source: San Diego County records, as of October 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 709 MERIT DR, SAN MARCOS, CA 92078-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2026 | Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL |
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2026 · Amount on File |
| Deed Sale | Sep 23, 2026 · Amount on File |
| Prior Sale | Mar 6, 2020 · Amount on File |
| Deed Document Number | 2026276974 |
| Prior Transfer Date | Jun 20, 2025 |
| Prior Transfer Doc | 0000203090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 23, 2026 |
| Property Address | 709 MERIT DR, SAN MARCOS, CA 92078-1405 |
| Document Number | 0000276974 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 2026276974 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Title Company | FIRST CONSUMERS TITLE, CONSUMERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 709 MERIT DR, SAN MARCOS, CA 92078-1405 |
| Document Number | 0000276975, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 2026276975 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 709 MERIT DR, SAN MARCOS, CA 92078-1405 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000644972 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 2021-0644972 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 709 Merit Dr was $11,645.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Marcos City |
| Unified School District | San Marcos Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $767,702 (+2%) Land $345,808 Building $421,894 | |
| 2025 | $11,645.00 Homeowner's exemption | $752,650 Land $339,028 Building $413,622 |
| 2023 | $10,860.00 (+2.37%) Homeowner's exemption | $723,425 Land $325,864 Building $397,561 |
| 2022 | $10,609.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 709 Merit 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 risk around 709 Merit Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · lower than 60% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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