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For sale
  • Listed by: Coldwell Banker Realty • John Castillo • Contact: juan.p.castillo@me.com
    $1,125,000

    678 Gemstone Dr, San Marcos, CA 92078

    4beds
    2,550sqft
    : 
    $7,295/mo
    Get pre-qualified
    Single Family Residence
    Built in 2018
    3,300 Square Feet Lot
    $1,123,100 Zestimate®
    $441/sqft
    $240/mo HOA

    What's special

    Welcome to this beautifully upgraded, north facing home in the gated Rancho Tesoro community of San Marcos. Located in the desirable Vientos/Terracina neighborhood, this spacious 4-bedroom, 3-bath home offers approximately 2,550 square feet of comfortable and thoughtfully designed living space. Inside, the open concept layout feels bright, welcoming, and private. The main living area flows into a modern kitchen with a large quartz island, white shaker cabinets, a custom tile backsplash, and stainless steel appliances that are included with the home. A full bedroom and bathroom on the first floor provide a convenient option for guests, extended family, or a home office. Upstairs, the spacious loft offers even more flexibility and could easily be used as a playroom, office, media room, or converted into a fifth bedroom. The primary suite is a relaxing retreat with a spa like bathroom featuring a frameless glass shower, soaking tub, dual vanities, and a large walk-in closet. Two additional bedrooms, a laundry room, and plenty of storage complete the second floor. The fully fenced backyard is designed for easy maintenance, with pavers and drip irrigation creating a comfortable space for relaxing, entertaining, or enjoying evenings outdoors. The home also includes upgraded flooring throughout the main level, Lutron smart lighting, and an additional deeded parking space directly in front of the property that can accommodate a larger vehicle. Rancho Tesoro residents enjoy access to a resort style pool, BBQ area, playground, scenic walking trails, and two peaceful lakes. The community is also conveniently located near highly rated schools, parks, hiking trails, shopping, dining, and everything North County has to offer. With low HOA and Mello-Roos fees, this home offers an excellent combination of space, upgrades, convenience, and community amenities. Schedule your private showing and come experience the Rancho Tesoro lifestyle.
    9 days
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    234
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    20
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    Zillow last checked:

    Listing updated:

    Listed by:

    John Castillo DRE #02020554 juan.p.castillo@me.com,

    Coldwell Banker Realty

    Source: CRMLS,MLS#: NDP2606743MLS LogoOriginating MLS: California Regional MLS (North San Diego County & Pacific Southwest AORs)

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Rooms
      • Room types: Bonus Room, Family Room, Kitchen, Laundry, Living Room, Primary Bathroom, Primary Bedroom, Other, Pantry
      Other
      • Features: Walk-In Closet(s)
      Pantry
      • Features: Walk-In Pantry
      Heating
      • Electric
      Cooling
      • Central Air
      Appliances
      • Laundry: Inside, Upper Level
      Features
      • Walk-In Pantry, Walk-In Closet(s)
      • Has fireplace: No
      • Fireplace features: None
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total interior livable area: 2,550 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 3
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      • Uncovered spaces: 1
      Features
      • Levels: Two
      • Stories: 2
      • Entry location: front
      • Pool features: Electric Heat, Heated, Association
      • Has view: Yes
      • View description: Hills
      Lot
      • Size: 3,300 Square Feet
      • Dimensions: 5000
      • Features: Back Yard
      Details
      • Parcel number: 2221733006
      • Zoning: Rancho Tesoro San Marcos
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Roof: Concrete
      Condition
      • Turnkey
      • Year built: 2018

      Utilities & green energy

      • Sewer: Public Sewer

      Community & HOA

      Community
      • Features: Biking, Curbs, Foothills, Hiking, Street Lights
      HOA
      • Has HOA: Yes
      • Amenities included: Fire Pit, Maintenance Grounds, Maintenance Front Yard, Outdoor Cooking Area, Barbecue, Picnic Area, Playground, Pool, Pets Allowed
      • HOA fee: $240 monthly
      • HOA name: Rancho Tesoro Association
      • HOA phone: 760-634-4700
      Location
      • Region: San Marcos

      Financial & listing details

      • Price per square foot: $441/sqft
      • Tax assessed value: $784,205
      • Annual tax amount: $11,663
      • Date on market: 7/15/2026
      • Cumulative days on market: 9 days
      • Listing terms: Cash,Cash to Existing Loan,Conventional,Cal Vet Loan,1031 Exchange,VA Loan
      • Inclusions: Washer/Dryer and all appliances stay with home.

        Estimated market value

        $1,123,100

        $1.07M - $1.18M

        $5,488/mo

        Price history

        DateEventPrice
        7/30/2026Listed for sale$1,125,000$441/sqft
        Source: CRMLS #NDP2606743 Report a problem
        7/22/2026Pending sale$1,125,000$441/sqft
        Source: CRMLS #NDP2606743 Report a problem
        7/15/2026Listed for sale$1,125,000-10%$441/sqft
        Source: CRMLS #NDP2606743 Report a problem
        8/15/2025Listing removed$1,250,000$490/sqft
        Source: SDMLS #NDP2505117 Report a problem
        6/23/2025Listed for sale$1,250,000$490/sqft
        Source: SDMLS #NDP2505117 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$11,663 +4.8%$784,205 +2%
        2024$11,127 +2.3%$768,830 +2%
        2023$10,880 +2.1%$753,756 +2%
        2022$10,651 +2.3%$738,977 +2%
        2021$10,417 +1.2%$724,488 +1%
        2020$10,296 +60.3%$717,060 +25.7%
        2019$6,421 $570,254
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 92078

        Getting around

        43 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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