678 Gemstone Dr , San Marcos, CA 92078
$1,125,000
Est. Payment: $5,680.92/mo
4 Bed
3 Bath
2550 Sqft
Status: pending | Days on site: 15
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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 commun

Highlights

Listed by John Castillo , 760-807-6297 Coldwell Banker Realty , 760-941-6888. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Lot/Acreage
0.08

HOA Fee

240 Monthly

Year Built

2018

County

San Diego

School District

San Marcos Unified School Distri

Listing ID

NDP2606743

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Air Cond:Central Forced Air
Fireplaces:N/K

Exterior Features

Lot Dimensions:5000
Garage Capacity:3
Zoning:Rancho Tes
Roof:Concrete
Others:Turnkey
Sewer:Public Sewer
Principal Interest
$5,681
Taxes
$717
HOA
$240

Home Price

$1,125,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$225,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,680.92

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,680.92 $717.19 $240.00 $6,638.11
Yearly $68,171.04 $8,606.25 $2,880.00 $79,657.29
Total $2,045,131.16 $258,187.50 $86,400.00 $2,389,718.66

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (San Marcos, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-08-10T22:38:39.000Z

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