12722 Cobblestone Creek Rd, Poway, CA 92064 Property Records

San Diego County property record for 12722 Cobblestone Creek Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,184 sqft · built 1980
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Trust Names on File
Last Sale	$811,000 (Sep 2015)
Tax Bill	$10,922 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`316-062-24-00`

Property Details

APN / Parcel Number

Primary APN	`316-062-24-00`
Alternative APN	`3160620800`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,184 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	3160620800
Street Address	12722 COBBLESTONE CREEK RD
City	POWAY
State	CA
Zip	92064-5348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-C
Legal Description	SEC 22-14-2W NEQ DOC15733REC68 IN N H OF
Legal Range	02W
Legal Township	14
Legal Section	22
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17067

Owner

12722 Cobblestone Creek Rd is owner-occupied and held in a trust since September 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	12722 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage ELAINE M CHIN
Jan 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMC 2002 TRUST (CT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2015 · Amount on File
Deed Sale	Sep 11, 2015 · Amount on File
Prior Sale	Dec 18, 2014 · Amount on File
Deed Document Number	2015482190
Prior Transfer Date	Jan 28, 1994
Prior Transfer Doc	0000077653
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12722 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12722 COBBLESTONE CREEK RD, POWAY, CA 92064-5348

Mortgage

Document Number	0000408251
Date	Oct 21, 2022
Instrument	2022-0408251

Lender

Name	ELAINE M CHIN
Type	Private Party
Address	2498 CANYON CREEK RD, ESCONDIDO, CA 92025

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12722 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Document Number	0000014849
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12722 COBBLESTONE CREEK RD POWAY CA 920645348, POWAY, CA 92064-5348

Mortgage

Document Number	0000014849
Date	Jan 15, 2019
Instrument	14849

Lender

Name	EMC 2002 TRUST (CT)
Address	ESCONDIDO, CA 92025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12722 Cobblestone Creek Rd was $10,922.

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		$979,250 (+2%) Land $753,272 Building $225,978
2025	$10,922.00	$960,050 Land $738,502 Building $221,548
2023	$10,412.00 (+1.68%)	$922,772 Land $709,826 Building $212,946
2022	$10,240.00

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

Flood

FEMA maps place 12722 Cobblestone Creek Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2016–2017)
Most Recent Claim	Feb 2017 · rainfall accumulation

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

Wildfire risk around 12722 Cobblestone Creek Rd is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.07% 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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