12746 Cobblestone Creek Rd, Poway, CA 92064 Property Records

San Diego County property record for 12746 Cobblestone Creek Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,688 sqft · built 1974
Lot Size	1.11 acres (48,352 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (Jun 2008)
Tax Bill	$11,869 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`316-062-23-00`

Property Details

APN / Parcel Number

Primary APN	`316-062-23-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	48,352 sqft
View / Lot	Good
Garage Type	Open

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	12746 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 DOC114808REC69 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

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	Company Name on Record
Mailing Address	12746 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 10, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2008 · Amount on Record
Deed Sale	Jun 13, 2008 · Amount on Record
Prior Sale	Oct 19, 2004 · Amount on Record
Deed Document Number	2008319067
Last Transfer Date	Jun 15, 2010
Transfer Doc	0000584118
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12746 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604396
Date	Dec 22, 2017
Instrument	2017-0604396

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12746 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000298051
Date	Jun 10, 2020
Instrument	2020-0298051

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 22, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,071,767 (+2%) Land $736,840 Building $334,927
2025	$11,869.00 (+4.93%) Homeowner's exemption	$1,050,753 (+4.04%) Land $722,393 Building $328,360
2023	$11,311.00 (+1.7%) Homeowner's exemption	$1,009,953 Land $694,343 Building $315,610
2022	$11,122.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% 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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