787 Joy Ct, San Marcos, CA 92078 Property Records

San Diego County property record for 787 Joy Ct, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,095 sqft · built 2005
Lot Size	0.348 acres (15,155 sqft)
Owner	Company Name on File
Last Sale	$958,000 (Jun 2005)
Tax Bill	$17,043 (2025)
Deeds & Mortgages	Oct 2021 Transfer Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`221-062-44-00`

Property Details

APN / Parcel Number

Primary APN	`221-062-44-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,095 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	15,155 sqft (0.348 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	787 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	LOT 5 TR 014683
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	014683
Legal Block	2
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	20026

Owner

787 Joy Ct is owned by a company that acquired it in September 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	787 JOY CT, SAN MARCOS, CA 92078-4100
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Oct 8, 2021	Intrafamily Transfer, Transfer
Oct 8, 2021	Intrafamily Transfer, Transfer
Aug 24, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 20, 2020	Deed of Trust, Mortgage · VA Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2005 · Amount on File
Deed Sale	Jun 20, 2005 · Amount on File
Deed Document Number	2005517214
Last Transfer Date	Sep 23, 2021
Transfer Doc	0000704412
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 8, 2021
Property Address	787 JOY CT, SAN MARCOS, CA 92078-4100
Document Number	0000704413
Map Reference	MAP 14683
Instrument Date	Sep 23, 2021
Instrument	2021-0704413
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	787 JOY CT, SAN MARCOS, CA 92078-4100

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 8, 2021
Property Address	787 JOY CT, SAN MARCOS, CA 92078-4100
Document Number	0000704412
Map Reference	MAP 14683
Instrument Date	Sep 23, 2021
Instrument	2021-0704412
Transaction Type	Transfer
Record Updated	Oct 19, 2021

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	Community Property with Right of Survivorship
Address	787 JOY CT, SAN MARCOS, CA 92078-4100

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	787 JOY CT, SAN MARCOS, CA 92078-4100
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	JAVIER, SAN MARCOS, CA 92078

Mortgage

Document Number	0000601179
Date	Aug 24, 2021
Instrument	2021-0601179

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	787 JOY CT, SAN MARCOS, CA 92078-4100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 JOY CT, SAN MARCOS, CA 92078-4100

Mortgage

Document Number	0000738214
Date	Nov 20, 2020
Instrument	2020-0738214

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 787 Joy Ct was $17,043 with a veteran'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		$1,361,962 (+2%) Land $565,825 Building $796,137
2025	$17,043.00	$1,335,258 Land $554,731 Building $780,527
2023	$15,571.00 (+2.17%)	$1,283,410 Land $533,191 Building $750,219
2022	$15,240.00

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

Flood

FEMA maps place 787 Joy Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 787 Joy Ct is low, with a 0.04% annual chance of 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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