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678 Gemstone Dr1 / 41 · Click to zoom

About this home

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.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
📋 Assessed value$799,889
💵 Annual tax$11,663
🏫 School districtSan Marcos Unified School District

MLS #NDP2606743MR

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$7,048
Principal & interest$5,689
Property tax$1,031
Home insurance$328
Down payment: $225,000Loan: $900,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.