908 Terraza Mar, San Marcos, CA 92078 Property Records

San Diego County property record for 908 Terraza Mar, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,721 sqft · built 2012
Lot Size	0.157 acres (6,834 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Nov 2012)
Tax Bill	$7,229 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`679-310-04-00`

Property Details

APN / Parcel Number

Primary APN	`679-310-04-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,721 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	6,834 sqft (0.157 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	908 TERRAZA MAR
City	SAN MARCOS
State	CA
Zip	92078-2826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	LOT 4 TR 015872
Legal Subdivision	SAN MARCOS #400
Legal Tract	015872
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	20043

Owner

908 Terraza Mar is owned and occupied by two individuals who bought it in November 2012.

Source: San Diego County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit POINT DIGITAL FINANCE INC
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit POINT DIGITAL FINANCE INC
Apr 6, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 22, 2019	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 9, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2012 · Amount on File
Deed Sale	Nov 29, 2012 · Amount on File
Deed Document Number	2012747675
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826

Mortgage

Document Number	0000336927
Date	Aug 22, 2022
Instrument	2022-0336927

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826

Mortgage

Document Number	0000323740
Date	Aug 10, 2022
Instrument	2022-0323740

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138001
Date	Apr 6, 2018
Instrument	2018-0138001

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103535
Date	Mar 22, 2019
Instrument	2019-0103535

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826

Mortgage

Document Number	0000667535
Date	Oct 29, 2020
Instrument	2020-0667535

Lender

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

Agreement

Type	VA Mortgage

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	908 TERRAZA MAR, SAN MARCOS, CA 92078-2826
Document Number	0000583444
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	908 TERRAZA MAR SAN MARCOS CA 920782826, SAN MARCOS, CA 92078-2826

Mortgage

Document Number	0000583444
Date	Dec 13, 2019
Instrument	583444

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 908 Terraza Mar was $7,229 with a veteran's exemption.

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		$759,900 (+2%) Land $375,553 Building $384,347
2025	$7,229.00	$745,001 Land $368,190 Building $376,811
2023	$6,795.00 (+0.82%)	$716,074 Land $353,894 Building $362,180
2022	$6,740.00

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

Flood

FEMA maps place 908 Terraza Mar in Zone X, an area of minimal flood risk.

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

Wildfire risk around 908 Terraza Mar 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% 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 715 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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