12617 Summerfield Ln, Poway, CA 92064 Property Records

San Diego County property record for 12617 Summerfield Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,660 sqft · built 1974
Lot Size	0.211 acres (9,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2002)
Tax Bill	$6,440 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`275-554-07-00`

Property Details

APN / Parcel Number

Primary APN	`275-554-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,660 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	9,185 sqft (0.211 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12617 SUMMERFIELD LN
City	POWAY
State	CA
Zip	92064-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 24 TR 007420
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	007420
Legal Block	3
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	17006

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2002 · Amount on Record
Deed Sale	Apr 15, 2002 · Amount on Record
Prior Sale	Mar 3, 2000 · Amount on Record
Deed Document Number	2002313695
Transfer Doc	0000394403
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529

Mortgage

Document Number	0000727592
Date	Oct 19, 2021
Instrument	2021-0727592

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529

Mortgage

Document Number	0000017540
Date	Jan 12, 2022
Instrument	2022-0017540

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Feb 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4%
Index	Other
Margin	3
Max Rate	7%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12617 SUMMERFIELD LN, POWAY, CA 92064-1529
Document Number	0000117584
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12617 SUMMERFIELD LN POWAY CA 920641529, POWAY, CA 92064-1529

Mortgage

Document Number	0000117584
Date	Mar 6, 2020
Instrument	117584

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Poway City
Unified School District	Poway Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$580,115 (+2%) Land $391,771 Building $188,344
2025	$6,440.00 (+4.94%) Homeowner's exemption	$568,741 (+4.04%) Land $384,090 Building $184,651
2023	$6,137.00 (+1.69%) Homeowner's exemption	$546,658 Land $369,176 Building $177,482
2022	$6,035.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF POWAY serves 49,888 people · EPA ID CA3710015
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications, GeoLinks, Verizon.

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