783 Joy Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 783 Joy Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,291 sqft · built 2005
Lot Size	0.372 acres (16,200 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Mar 2020)
Tax Bill	$16,487 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`221-062-51-00`

Property Details

APN / Parcel Number

Primary APN	`221-062-51-00`
Alternative APN	`2210624200`

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 2005
Effective Year Built	Effective 2005
Lot Area	16,200 sqft (0.372 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2210624200
Street Address	783 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 3 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 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	783 JOY CT, SAN MARCOS, CA 92078-4100
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 24, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2020	Grant Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Prior Sale	Oct 17, 2008 · Amount on Record
Deed Document Number	2020108342
Prior Transfer Date	Apr 9, 2019
Prior Transfer Doc	0000189654
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	783 JOY CT, SAN MARCOS, CA 92078-4100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125762
Date	Apr 9, 2019
Instrument	2019-0125762

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	783 JOY CT, SAN MARCOS, CA 92078-4100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	783 JOY CT, SAN MARCOS, CA 92078-4100

Mortgage

Document Number	0000746627
Date	Nov 24, 2020
Instrument	2020-0746627

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2020
Property Address	783 JOY CT, SAN MARCOS, CA 92078-4100
Document Number	0000108342
Map Reference	DOC 04-0341196
Instrument Date	Feb 19, 2020
Instrument	2020-0108342
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Trust
Address	783 JOY CT, SAN MARCOS, CA 92078-4100

Mortgage

Document Number	0000108343
Date	Mar 2, 2020
Instrument	2020-0108343

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2019
Property Address	783 JOY CT, SAN MARCOS, CA 92078-4100
Document Number	0000189654
Instrument Date	Apr 9, 2019
Instrument	189654
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	783 JOY CT SAN MARCOS CA 920784100, SAN MARCOS, CA 92078-4100

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		$1,133,556 (+2%) Land $469,074 Building $664,482
2025	$16,487.00 (+11.51%)	$1,111,330 (+5.72%) Land $459,877 Building $651,453
2023	$14,785.00 (+2.85%)	$1,051,177 Land $442,020 Building $609,157
2022	$14,376.00

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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