San Diego County property record for 12708 Metate Ln, Poway, CA 92064
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,659 sqft · built 2000 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $589,000 (Nov 2017) |
| Tax Bill | $9,612 (2025) |
| Deeds & Mortgages | Oct 2025 Construction Loan Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 317-341-04-00 |
| Primary APN | 317-341-04-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,659 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12708 METATE LN |
|---|---|
| City | POWAY |
| State | CA |
| Zip | 92064-6024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Description | LOT 4 TR 004442 |
| Legal Subdivision | TUSTIN HILLS |
| Legal Tract | 004442 |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 17048 |
Source: San Diego County records · APN 317-341-04-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12708 METATE LN, POWAY, CA 92064-6024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 07, 2025 | Deed of Trust, Mortgage · Construction Mortgage THE KRISTEN MARIE SCHEPPERLE LIVING TRUS |
| Nov 06, 2017 | Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 06, 2017 · Amount on Record |
| Deed Sale | Nov 06, 2017 · Amount on Record |
| Prior Sale | Jan 22, 1997 · Amount on Record |
| Deed Document Number | 2017517801 |
| Prior Transfer Date | Mar 07, 2016 |
| Prior Transfer Doc | 0000128040 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12708 METATE LN, POWAY, CA 92064-6024 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | CABOT TITLE COMPANY INC, CA BEST TITLE COMPANY INC |
| Name | Verified Name |
|---|---|
| Address | 12708 METATE LN, POWAY, CA 92064-6024 |
| Document Number | 0000279623 |
|---|---|
| Date | Oct 07, 2025 |
| Instrument | 2025-0279623 |
| Name | THE KRISTEN MARIE SCHEPPERLE LIVING TRUS |
|---|---|
| Type | Private Party |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 06, 2017 |
| Property Address | 12708 METATE LN, POWAY, CA 92064-6024 |
| Document Number | 0000517801 |
| Map Reference | MAP4442 |
| Instrument Date | Oct 09, 2017 |
| Instrument | 2017-0517801 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12708 METATE LN, POWAY, CA 92064-6024 |
| Document Number | 0000517802 |
|---|---|
| Date | Nov 06, 2017 |
| Instrument | 2017-0517802 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Poway City |
| Unified School District | Poway Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $859,739 (+2%) Land $379,773 Building $479,966 | |
| 2025 | $9,612.00 (+10.27%) | $842,882 (+9.43%) Land $372,327 Building $470,555 |
| 2023 | $8,717.00 (+11.71%) | $770,254 Land $357,870 Building $412,384 |
| 2022 | $7,803.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: California Internet, Spectrum, T-Mobile USA, Verizon.
Based on FCC filings for 180 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF POWAY serves 49,888 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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