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12728 Aspen Ct, Poway, CA 92064 Property Records

San Diego County property record for 12728 Aspen Ct, Poway, CA 92064 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,099 sqft · built 1988
Lot Size0.275 acres (11,984 sqft)
OwnerCompany Name on File
Last Sale$627,500 (Jul 2003)
Tax Bill$10,286 (2025)
Deeds & MortgagesOct 2020 Transfer
Oct 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN314-761-28-00

Property Details

APN / Parcel Number

Primary APN314-761-28-00

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area3,099 sqft Living Area

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Lot Area11,984 sqft (0.275 acres)
Garage TypeCarport
CarportCarport
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address12728 ASPEN CT
CityPOWAY
StateCA
Zip92064-6454
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 189 TR 011695
Legal Subdivision4191-2R POWAY
Legal Tract011695
Legal Block1
Legal Lot Number189
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1001
Census Tract17040

Owner

Source: San Diego County records · APN 314-761-28-00

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 RecordCompany Name on File
Mailing Address12728 ASPEN CT, POWAY, CA 92064-6454
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2020Quit Claim Deed, Transfer
CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD
Oct 16, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
May 24, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 01, 2003 · Amount on Record
Deed SaleJul 01, 2003 · Amount on Record
Prior SaleJan 22, 1988 · Amount on Record
Deed Document Number2003784463
Last Transfer DateAug 17, 2004
Transfer Doc0000812341
Record UpdatedSep 20, 2026

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateOct 21, 2020
Property Address12728 ASPEN CT, POWAY, CA 92064-6454
Document Number0000642435
Instrument DateSep 08, 2020
Instrument642435
Transaction TypeTransfer
Record UpdatedOct 29, 2020
Title CompanyCHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address12728 ASPEN CT POWAY CA 920646454, POWAY, CA 92064-6454

October 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateOct 16, 2020
Property Address12728 ASPEN CT, POWAY, CA 92064-6454
Document Number0000630931
Map ReferenceMAP 11695
Instrument DateSep 08, 2020
Instrument2020-0630931
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12728 ASPEN CT, POWAY, CA 92064-6454

Mortgage

Document Number0000630932
DateOct 16, 2020
Instrument2020-0630932
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address12728 ASPEN CT, POWAY, CA 92064-6454
Document Number0000223315
Instrument DateMay 24, 2018
Transaction TypeMortgage
Record UpdatedJun 18, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address12728 ASPEN CT POWAY CA 920646454, POWAY, CA 92064-6454

Mortgage

Document Number0000223315
DateJun 04, 2018
Instrument223315
Lender
NameBANK OF AMERICA
TypeBank
AddressTAMPA, FL 33634
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityPoway City
Unified School DistrictPoway Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$910,003 (+2%) Land $507,572 Building $402,431
2025$10,286.00 (+4.83%)$892,161 (+4.04%) Land $497,620 Building $394,541
2023$9,812.00 (+1.67%)$857,519 Land $478,298 Building $379,221
2022$9,651.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730170401, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

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