726 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 726 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 File
Tax Bill	$11,873 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Nov 2019 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-23-06`

Property Details

APN / Parcel Number

Primary APN	`222-174-23-06`

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	726 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 54 US 55 PER DOC19-0108907&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE M #15
Legal Tract	016159
Legal Block	4
Legal Lot Number	54
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
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
Jan 27, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage MORGAN STANLEY PVT BK NA
Nov 9, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Sep 12, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC
Sep 18, 2019	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV
Aug 27, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI CALIFORNIA CU
Aug 20, 2019	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV
Sep 18, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 18, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 19, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE SUBDIVISI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 2, 2019
Transfer Doc	0000409651
Record Updated	Sep 20, 2026

January 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 27, 2020
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000042289
Instrument Date	Jan 23, 2020
Instrument	42289
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO-HSD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$714.00
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	722 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	42290
Date	Jan 27, 2020
Instrument	42290

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000521931
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1155 PRIVET ST SAN MARCOS CA 920693185, SAN MARCOS, CA 92069-3185

Mortgage

Document Number	0000521931
Date	Nov 13, 2019
Instrument	521931

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 12, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000398318
Instrument Date	Sep 12, 2019
Instrument	398318
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE SUBDIVISI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	730 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	398319
Date	Sep 12, 2019
Instrument	398319

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2049

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000409650
Instrument Date	Sep 3, 2019
Instrument	409650
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount on Record
Tax	$768.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	726 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000366817
Instrument Date	Aug 23, 2019
Instrument	366817
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
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	$739.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	728 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

Mortgage

Document Number	366818
Date	Aug 27, 2019
Instrument	366818

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000351608
Instrument Date	Aug 1, 2019
Instrument	351608
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE COMPANY-SUBDIV, FIRST AMERICAN TITLE CO-SUBDIV

Transaction

Amount	Amount on Record
Tax	$779.00
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	724 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000409652
Instrument Date	Jul 2, 2019
Instrument	409652
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

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	726 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000409651
Instrument Date	Jul 2, 2019
Instrument	409651
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

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	726 GEMSTONE DR SAN MARCOS CA 920781410, SAN MARCOS, CA 92078-1410

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	726 GEMSTONE DR, SAN MARCOS, CA 92078-1410
Document Number	0000411941
Instrument Date	Mar 25, 2019
Instrument	411941
Transaction Type	Transfer
Record Updated	Aug 10, 2020
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 726 Gemstone Dr was $11,873 with a homeowner's exemption.

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		$778,628 (+2%) Land $334,654 Building $443,974
2025	$11,873.00 Homeowner's exemption	$763,362 Land $328,093 Building $435,269
2023	$11,075.00 (+2.35%) Homeowner's exemption	$733,721 Land $315,353 Building $418,368
2022	$10,821.00

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

Flood

FEMA maps place 726 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 726 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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