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Single Family ResidenceResidential
$1,036,696$493 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $276,000 on Jun 26, 2002

640 ROSE RANCH RD

SAN MARCOS, CA 92069
4
Beds
2
Baths
2,101 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$937K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$276,000 · Jun 26, 2002
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$366,796
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$293,437
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.66%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$362,900
BANK OF AMERICA · recorded Nov 24, 2010
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$307,000
BANK OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,349 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$481,455 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$131,422
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$350,033
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$472,016

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
93
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
26
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
Lot (acres)The size of the land the home sits on, from county records.0.56
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Richland Elementary SchoolB+
Elementary · Grades KG–5 · 0.4 mi
H
Mission Hills High SchoolB+
High · Grades 9–12 · 0.9 mi
M
Woodland Park Middle SchoolC+
Middle · Grades 6–8 · 1.2 mi

District: San Marcos Unified School District

Neighborhood · ZIP 92069These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.189

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.49,216
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,636 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,637
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,737
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.16 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Rose Ranch Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in West Richland
  • Costs less per square foot than 73% of homes in West Richland
  • Bigger than 76% of homes in West Richland
  • Has a bigger lot than 68% of homes in West Richland
  • Older than 93% of homes in West Richland

What homes are worth in San Marcos 92069

Each bar is how many homes fall in that price range. The marker is this home.

This home
$458K$1.6M

This home is worth more than 71% of homes in San Marcos 92069.

How it measures up in San Marcos 92069

The dot is this home. The mark in the middle is the typical home in San Marcos 92069.

Estimated value$1,036,696
CheaperTypical $889,000Pricier

Pricier than 71% of homes nearby

Price per ft²$493
CheaperTypical $511Pricier

Pricier than 40% of homes nearby

Living area2,101 ft²
SmallerTypical 1,675 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.56 ac
SmallerTypical 0.23 acBigger

Bigger than 66% of homes nearby

Year built1972
OlderTypical 1990Newer

Newer than 11% of homes nearby

How 640 Rose Ranch Rd ranks against every home in each area.
MeasureThis homeWest RichlandSan Marcos 92069San Diego County
Estimated valuepricier than$1,036,69674% of homes71% of homes63% of homes
Price per ft²pricier than$49327% of homes40% of homes31% of homes
Living areabigger than2,101 ft²76% of homes68% of homes75% of homes
Lot sizebigger than0.56 ac68% of homes66% of homes64% of homes
Year builtnewer than19727% of homes11% of homes28% of homes

About 640 Rose Ranch Rd

How much is 640 Rose Ranch Rd, San Marcos, CA worth?

The TopHap Estimate for 640 Rose Ranch Rd, San Marcos, CA is $1,036,696 as of Jul 14, 2026. The likely range is $936,703 to $1,136,689. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Rose Ranch Rd, San Marcos, CA last sell?

640 Rose Ranch Rd, San Marcos, CA last sold on Jun 26, 2002 for $276,000, according to the county's recorded deed.

How big is 640 Rose Ranch Rd, San Marcos, CA?

640 Rose Ranch Rd, San Marcos, CA has 4 bedrooms, 2 bathrooms, 2,101 square feet of living space and a 0.56-acre lot.

When was 640 Rose Ranch Rd, San Marcos, CA built?

640 Rose Ranch Rd, San Marcos, CA was built in 1972, making it 54 years old. The building has 1 story.

What schools serve 640 Rose Ranch Rd, San Marcos, CA?

640 Rose Ranch Rd, San Marcos, CA is assigned to Richland Elementary School (elementary), rated B+; Mission Hills High School (high), rated B+; Woodland Park Middle School (middle), rated C+. All sit in San Marcos Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Rose Ranch Rd, San Marcos, CA compare to other homes in San Marcos 92069?

Among the 11,555 homes in San Marcos 92069, it is worth more than 71% of them ($1,036,696 against a typical $889,000), its price per square foot is higher than 40% of them ($493 against a typical $511), it is bigger than 68% of them (2,101 ft² against a typical 1,675 ft²), its lot is bigger than 66% of them (0.56 ac against a typical 0.23 ac) and it is newer than 11% of them (1972 against a typical 1990). Measured against all of San Diego County, it is worth more than 63% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Rose Ranch Rd, San Marcos, CA?

The 2025 property tax bill for 640 Rose Ranch Rd, San Marcos, CA was $5,349. The county assessed it at $481,455.

Closest homes

More homes in San Marcos 92069

Assigned schools

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