12723 Summerfield Ln, Poway, CA 92064 Property Records

San Diego County property record for 12723 Summerfield Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1974
Lot Size	0.128 acres (5,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,155,000 (Oct 2023)
Tax Bill	$13,314 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`275-553-03-00`

Property Details

APN / Parcel Number

Primary APN	`275-553-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	5,560 sqft (0.128 acres)
Lot Dimensions	105 ft deep x 65 ft wide
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12723 SUMMERFIELD LN
City	POWAY
State	CA
Zip	92064-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 28 TR 007420
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	007420
Legal Block	3
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
Census Tract	17006

Owner

Source: San Diego County records, as of July 21, 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	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 6, 2023	Grant Deed, Transfer · VA Mortgage AXIA FINANCIAL LLC
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Prior Sale	Aug 11, 2003 · Amount on Record
Deed Document Number	2023270959
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530

Mortgage

Document Number	0000024319
Date	Jan 28, 2026
Instrument	2026-0024319

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 6, 2023
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Document Number	0000270959
Map Reference	MAP 7420
Instrument Date	Sep 20, 2023
Instrument	2023-0270959
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Investor	Possibly a Property Investor

Mortgage

Document Number	0000270960
Date	Oct 6, 2023
Instrument	2023-0270960

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530

Mortgage

Document Number	0000499298
Date	Jul 13, 2021
Instrument	2021-0499298

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530

Mortgage

Document Number	0000499297
Date	Jul 13, 2021
Instrument	2021-0499297

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275982
Date	Jul 6, 2018
Instrument	2018-0275982

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12723 SUMMERFIELD LN, POWAY, CA 92064-1530

Mortgage

Document Number	0000483996
Date	Aug 25, 2020
Instrument	2020-0483996

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2025
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	5-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,201,662 (+2%) Land $832,320 Building $369,342
2025	$13,314.00 (+2.69%) Homeowner's exemption	$1,178,100 (+103.32%) Land $816,000 Building $362,100
2024	$12,965.00 (+99.34%)
2023	$6,504.00 (+1.7%) Homeowner's exemption	$579,421 Land $375,805 Building $203,616
2022	$6,395.00

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.

Nearby Properties on Summerfield Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures