728 Thorntree Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 728 Thorntree Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 3,088 sqft · built 2019
Lot Size	0.271 acres (11,827 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,000 (Jul 2019)
Tax Bill	$15,866 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-520-30-00`

Property Details

APN / Parcel Number

Primary APN	`217-520-30-00`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	3,088 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	11,827 sqft (0.271 acres)

Location & Zoning

Street Address	728 THORNTREE CT
City	SAN MARCOS
State	CA
Zip	92078-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	LOT 9 TR 016143
Legal Subdivision	SAN MARCOS TSM 14-003
Legal Tract	016143
Legal Block	2
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	20037

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 Record	2 Individual Names on Record
Mailing Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 18, 2019	Grant Deed, Transfer · ARM GUARANTEED RATE AFFINITY LLC
Nov 6, 2018	Loan Modification, Mortgage HOUSING CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	2019291387
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102
Transaction Type	Mortgage
Record Updated	Sep 25, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102

Mortgage

Document Number	0000249148
Date	Sep 14, 2023
Instrument	2023-0249148

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 THORNWEE COURT, SAN MARCOS, CA 92078

Mortgage

Document Number	0000855341
Date	Dec 20, 2021
Instrument	2021-0855341

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2019
Property Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102
Document Number	0000291387
Map Reference	MAP 16143
Instrument Date	Jun 26, 2019
Instrument	2019-0291387
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102

Mortgage

Document Number	0000291388
Date	Jul 18, 2019
Instrument	2019-0291388

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2018
Property Address	728 THORNTREE CT, SAN MARCOS, CA 92078-6102
Instrument Date	Oct 25, 2018
Instrument	464626
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO RESID'

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	707 THORNTREE CT SAN MARCOS CA 92078, SAN MARCOS, CA 92078

Mortgage

Document Number	0000464626
Date	Nov 6, 2018
Instrument	464626

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	3200 BRISTOL ST # 800, COSTA MESA, CA 92626-1884

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$1,141,761 (+2%) Land $356,964 Building $784,797
2025	$15,866.00 (+31.16%)	$1,119,374 (+14.94%) Land $349,965 Building $769,409
2023	$12,097.00 (+1.46%)	$973,909 Land $336,376 Building $637,533
2022	$11,923.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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