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

San Diego County property record for 977 Rose Arbor Dr, San Marcos, CA 92078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,081 sqft · built 1991
Lot Size	0.99 acres (4,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Nov 2022)
Tax Bill	$9,737 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`228-551-32-00`

Property Details

APN / Parcel Number

Primary APN	`228-551-32-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,081 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	4,307 sqft (0.99 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	977 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 93 TR 012344
Legal Subdivision	SAN MARCOS THE QUORUM
Legal Tract	012344
Legal Block	3
Legal Lot Number	93
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 Record
Mailing Address	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Grant Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 6, 2020	Grant Deed, Transfer · Conventional Mortgage TROY A & ROSA I KEOGH
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	2022448400
Prior Transfer Date	Aug 6, 1994
Prior Transfer Doc	0000085992
Record Updated	Oct 29, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 23, 2022
Property Address	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000448400
Map Reference	MAP 12344
Instrument Date	Oct 19, 2022
Instrument	2022-0448400
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
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	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586

Mortgage

Document Number	0000448401
Date	Nov 23, 2022
Instrument	2022-0448401

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.57%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2020
Property Address	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000354448
Instrument Date	Jun 17, 2020
Instrument	354448
Transaction Type	Transfer
Record Updated	Jul 16, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$686.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 ROSE DR SAN MARCOS CA 92078, SAN MARCOS, CA 92078

Mortgage

Document Number	354449
Date	Jul 6, 2020
Instrument	354449

Lender

Name	TROY A & ROSA I KEOGH
Address	1145 E BARHAM DR # 197, SAN MARCOS, CA 92078-4546
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000481390
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	977 ROSE ARBOR DR SAN MARCOS CA 920784586, SAN MARCOS, CA 92078-4586

Mortgage

Document Number	0000481390
Date	Oct 24, 2019
Instrument	481390

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	977 ROSE ARBOR DR, SAN MARCOS, CA 92078-4586
Document Number	0000534667
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	977 ROSE ARBOR DR SAN MARCOS CA 920784586, SAN MARCOS, CA 92078-4586

Mortgage

Document Number	0000534667
Date	Nov 16, 2017
Instrument	534667

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2032

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		$822,436 (+2%) Land $530,604 Building $291,832
2025	$9,737.00 (+7.14%)	$806,310 (+4.04%) Land $520,200 Building $286,110
2023	$9,088.00 (+19.58%)	$775,000 Land $500,000 Building $275,000
2022	$7,600.00

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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