649 Merit Drive
DSan Marcos, CA 92078
Soft Appraisal Value: $1,088,100 · 0.6% above estimate
Beds
4
Baths
2.5
Sqft
2,211
Year Built
2018
Days on Market
0
Property Type
Single Family
HOA/mo
$246
MLS ID
NDP2604440
This property is in San Marcos (92078). View neighborhood stats →
About This Property
Welcome to life inside the gated community of Rancho Tesoro — one of San Marcos’ most sought-after neighborhoods where connection, convenience, and everyday lifestyle come together beautifully. Built in 2018, this thoughtfully designed home offers the feel of newer construction with modern features, energy efficiency, and flexible living spaces ideal for today’s lifestyle. Inside, you’ll find 3 bedrooms plus a dedicated office with a closet already added, creating the flexibility for an optional 4th bedroom on the first floor, guest room, or play space. The downstairs living is open and inviting, with the kitchen, dining, and family room seamlessly connected — perfect for entertaining, everyday living, and staying connected with family and guests. The home also features owned solar, a whole house fan, and tankless water heater for improved energy efficiency and comfort year-round. Beyond the home itself, Rancho Tesoro is the kind of neighborhood people fall in love with for the lifestyle it offers. Residents enjoy a resort-style pool, BBQ areas, parks, gated privacy, and a true sense of community where neighbors gather, kids ride bikes, and evenings often end with sunset walks through the neighborhood. Just outside the gates, you’re moments from Discovery Lake, scenic hiking trails, Double Peak, and the growing North City district filled with coffee shops, restaurants, wellness studios, and local events. Cal State San Marcos and Palomar College are nearby, along with convenient access to shopping, dining, and major freeways — all while still feeling peaceful and tucked away. This is more than just a home — it’s morning trail walks, summer pool days, neighborhood gatherings, and the kind of community atmosphere that’s becoming harder to find. Rancho Tesoro offers the perfect blend of North County lifestyle, comfort, and connection. Come experience why so many people are proud to call this neighborhood home.
Mortgage Calculator
Est. Monthly Payment
$7,197
Location
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Comparable Properties
5 comps foundThis Property
$4,956
Comp Average
$3,571
2010 San Marcos
3bd / 2ba · 1,344 sqft · Manufactured
$690K
Est. $3,727/mo
3508 Decora Circle
3bd / 1ba · 1,095 sqft · Single Family
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Est. $3,653/mo
1162 Westin Way
3bd / 2ba · 1,342 sqft · Townhouse
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353 Beaker Rd
3bd / 2.5ba · 1,378 sqft · Condo
$725K
Est. $3,557/mo
1021 Porteno Court
3bd / 2ba · 1,440 sqft · Condo
$730K
Est. $3,216/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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