971 Rose Arbor Dr, San Marcos, CA 92078 Property Records

San Diego County property record for 971 Rose Arbor Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1991
Lot Size	0.94 acres (4,093 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Jul 2024)
Tax Bill	$10,636 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`228-551-30-00`

Property Details

APN / Parcel Number

Primary APN	`228-551-30-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,535 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	4,093 sqft (0.94 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	971 ROSE ARBOR DR
City	SAN MARCOS
State	CA
Zip	92078-4586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10 (PR
Legal Description	LOT 91 TR 012344
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	012344
Legal Block	3
Legal Lot Number	91
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	20310

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Intrafamily Transfer, Transfer
Jul 14, 2022	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2024 · Amount on File
Deed Sale	Jul 23, 2024 · Amount on File
Prior Sale	Jul 14, 2022 · Amount on File
Deed Document Number	2024188554
Prior Transfer Date	Jul 20, 2023
Prior Transfer Doc	0000296671
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2023
Property Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000296671
Map Reference	MAP 12344
Instrument Date	Jul 20, 2023
Instrument	2023-0296671
Transaction Type	Transfer
Record Updated	Nov 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	Joint Tenants
Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2022
Property Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000290663
Map Reference	MAP 12344
Instrument Date	Jun 28, 2022
Instrument	2022-0290663
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586

Mortgage

Document Number	0000290664
Date	Jul 14, 2022
Instrument	2022-0290664

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	971 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000235834
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	971 ROSE ARBOR DR SAN MARCOS CA 920784586, SAN MARCOS, CA 92078-4586

Mortgage

Document Number	0000235834
Date	Jun 17, 2019
Instrument	235834

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 16, 2034

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		$902,699 (+2%) Land $612,546 Building $290,153
2025	$10,636.00 (+28.78%)	$885,000 (+26.43%) Land $600,536 Building $284,464
2023	$8,259.00 (+83.66%)	$700,000 Land $475,000 Building $225,000
2022	$4,497.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% 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	RINCON DEL DIABLO MWD (ID-1) serves 28,427 people · EPA ID CA3710018
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Also Mapped Here	VALLECITOS WD
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Spectrum.

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