745 Gemstone Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 745 Gemstone Dr, San Marcos, CA 92078

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 2,684 sqft · built 2020
Owner	Company Name on Record
Last Sale	$807,500 (Jun 2020)
Tax Bill	$13,366 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-174-10-02`

Property Details

APN / Parcel Number

Primary APN	`222-174-10-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,684 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	745 GEMSTONE DR
City	SAN MARCOS
State	CA
Zip	92078-1411
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPECIFIC P
Legal Description	LOT 14 US 72 PER DOC19-0476728&UND INT IN TR 016159
Legal Subdivision	RANCHO CORONADO VILLAGE H 15-0
Legal Tract	016159
Legal Block	4
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	20044

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	Company Name on Record
Mailing Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 16, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINLEY PROPERTIES CORP
Jun 3, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	2020283114
Last Transfer Date	Sep 9, 2021
Transfer Doc	0000654674
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411

Mortgage

Document Number	0000827985
Date	Dec 7, 2021
Instrument	2021-0827985

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2021
Property Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Document Number	0000654674
Map Reference	MAP 16159
Instrument Date	Sep 9, 2021
Instrument	2021-0654674
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2021
Property Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Document Number	0000654672
Map Reference	MAP 16159
Instrument Date	Sep 9, 2021
Instrument	2021-0654672
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411

Mortgage

Document Number	0000654673
Date	Sep 16, 2021
Instrument	2021-0654673

Lender

Name	FINLEY PROPERTIES CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2020
Property Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411
Document Number	0000283114
Map Reference	MAP 16159
Instrument Date	Jan 9, 2020
Instrument	2020-0283114
Transaction Type	Subdivision Related 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
Address	745 GEMSTONE DR, SAN MARCOS, CA 92078-1411

Mortgage

Document Number	0000283115
Date	Jun 3, 2020
Instrument	2020-0283115

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

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		$900,231 (+2%) Land $401,584 Building $498,647
2025	$13,366.00 (+7.21%) Homeowner's exemption	$882,580 (+4.04%) Land $393,710 Building $488,870
2023	$12,467.00 (+2.25%) Homeowner's exemption	$848,311 Land $378,423 Building $469,888
2022	$12,193.00

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 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

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.

Nearby Properties on Gemstone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures