859 Cocos Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 859 Cocos Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,893 sqft · built 1992
Lot Size	9.2 acres (400,752 sqft)
Owner	2 Individual Names on File
Last Sale	$1,840,000 (Oct 2025)
Tax Bill	$13,781 (2025)
Deeds & Mortgages	May 2025 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-330-12-00`

Property Details

APN / Parcel Number

Primary APN	`222-330-12-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,893 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	400,752 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	859 COCOS DR
City	SAN MARCOS
State	CA
Zip	92078-5058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	PAR 1 TR PM13342
Legal Subdivision	CITY OF SAN DIEGO
Legal Tract	13342
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	20310

Owner

859 Cocos Dr is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	30219 AU BON CLIMAT CT, BONSALL, CA 92003-7204
Owner Type	Individual
Vesting	Community Property

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
May 16, 2025	Deed of Trust, Mortgage · Commercial Mortgage SHEENA LIU
Oct 1, 2025	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Nov 2, 2023	Intrafamily Transfer, Transfer · Construction Mortgage VAL CHRIS INVESTMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on File
Deed Sale	Oct 1, 2025 · Amount on File
Prior Sale	Jun 24, 2015 · Amount on File
Deed Document Number	2025272587
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	0000445523
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	859 COCOS DR, SAN MARCOS, CA 92078-5058
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	859 COCOS DR, SAN MARCOS, CA 92078-5058

Mortgage

Document Number	0000130155
Date	May 16, 2025
Instrument	2025-0130155

Lender

Name	SHEENA LIU
Type	Private Party
Address	1621 LA VERDE DR, SAN MARCOS, CA 92078

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2025
Property Address	859 COCOS DR, SAN MARCOS, CA 92078-5058
Document Number	0000272587
Map Reference	MB 970 PG 332
Instrument Date	Aug 26, 2025
Instrument	2025-0272587
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	30219 AU BON CLIMAT CT, BONSALL, CA 92003-7204

Mortgage

Document Number	0000272588
Date	Oct 1, 2025
Instrument	2025-0272588

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Max Rate	10.3%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 2, 2023
Property Address	859 COCOS DR, SAN MARCOS, CA 92078-5058
Document Number	0000303385
Instrument Date	Oct 24, 2023
Instrument	2023-0303385
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO

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	859 COCOS DR, SAN MARCOS, CA 92078-5058

Mortgage

Document Number	0000303386
Date	Nov 2, 2023
Instrument	2023-0303386

Lender

Name	VAL CHRIS INVESTMENTS INC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 859 Cocos Dr was $13,781.

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		$1,840,000 (+53.87%) Land $1,080,000 Building $760,000
2025	$13,781.00	$1,195,832 Land $705,236 Building $490,596
2023	$12,820.00 (-40.71%)	$1,149,398 Land $677,851 Building $471,547
2022	$21,623.00

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

Flood

FEMA maps place 859 Cocos Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 859 Cocos Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: San Diego Broadband, T-Mobile.

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