649 Merit Drive
DSan Marcos, CA 92078
Soft Appraisal Value: $1,173,700 · 1.4% above estimate
Beds
4
Baths
2.5
Sqft
2,211
Year Built
2018
Days on Market
54
Property Type
Single Family
HOA/mo
$246
MLS ID
NDP2601061
Description
Welcome to the lifestyle so many families are quietly searching for in San Marcos. Nestled inside the gated community of Rancho Tesoro, this 3-bedroom + office (with a closet already added for optional 4th bedroom use) and owned solar, offers the perfect blend of charm, functionality, and connection. Step outside your front door and you’re minutes from Discovery Lake, miles of hiking trails, and the vibrant energy of North City with its growing lineup of restaurants, coffee shops, and community events. Cal State San Marcos and Palomar College are just nearby, making this location incredibly convenient while still feeling peaceful and tucked away. Rancho Tesoro is known for its resort-style pool, gated entry, community BBQ area, parks, and neighborhood gatherings where kids play freely and neighbors truly know each other. This is more than a home. It’s sunset walks. Pool days. Trail mornings. It’s the kind of place people move to and never want to leave. Come experience it in person.
Mortgage Calculator
Est. Monthly Payment
$7,800
Comparable Properties
5 comps foundThis Property
$4,419
Comp Average
$3,606
1212 Mountain Laurel Road
4bd / 3ba · 1,704 sqft · Condo
$740K
Est. $4,284/mo
1162 Westin Way
3bd / 2ba · 1,342 sqft · Townhouse
$750K
Est. $3,641/mo
598 Almond Rd
3bd / 3ba · 1,228 sqft · Townhouse
$749K
Est. $3,327/mo
1021 Porteno Court
3bd / 2ba · 1,440 sqft · Condo
$750K
Est. $3,484/mo
2232 Indus Way
3bd / 3ba · 1,253 sqft · Townhouse
$760K
Est. $3,296/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Rent − PITIA
Incl. vacancy, PM, maint, capex
⚠️ Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Defaults: 20% down, 6.5% rate, 30yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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