781 Joy Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 781 Joy Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,291 sqft · built 2004
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jul 2021)
Tax Bill	$20,764 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`221-062-50-00`

Property Details

APN / Parcel Number

Primary APN	`221-062-50-00`
Alternative APN	`2210624100`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,291 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	29,621 sqft (0.68 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2210624100
Street Address	781 JOY CT
City	SAN MARCOS
State	CA
Zip	92078-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	PAR 2 TR PM19515
Legal Subdivision	CITY OF SAN MARCOS
Legal Tract	1019515
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	20026

Owner

Source: San Diego County records, as of October 20, 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	781 JOY CT, SAN MARCOS, CA 92078-4100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Sep 23, 2005 · Amount on Record
Deed Document Number	2021537562
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2021
Property Address	781 JOY CT, SAN MARCOS, CA 92078-4100
Document Number	0000537562
Instrument Date	Jun 27, 2021
Instrument	2021-0537562
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

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	781 JOY CT, SAN MARCOS, CA 92078-4100

Mortgage

Document Number	0000537563
Date	Jul 28, 2021
Instrument	2021-0537563

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

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		$1,515,403 (+2%) Land $865,945 Building $649,458
2025	$20,764.00 (+9.57%)	$1,485,690 (+4.04%) Land $848,966 Building $636,724
2023	$18,950.00 (+2.52%)	$1,428,000 Land $816,000 Building $612,000
2022	$18,485.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1993–2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Cox Communications, T-Mobile, Verizon.

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