12748 Larchmont St, Poway, CA 92064 Property Records

San Diego County property record for 12748 Larchmont St, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,076 sqft · built 1978
Lot Size	0.154 acres (6,689 sqft)
Owner	2 Individual Names on File
Last Sale	$1,055,500 (Jul 2023)
Tax Bill	$12,248 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`314-580-26-00`

Property Details

APN / Parcel Number

Primary APN	`314-580-26-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,076 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	6,689 sqft (0.154 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12748 LARCHMONT ST
City	POWAY
State	CA
Zip	92064-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 223 TR 007578
Legal Subdivision	RANCHO VERDE
Legal Tract	007578
Legal Block	4
Legal Lot Number	223
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4001
Census Tract	17054

Owner

12748 Larchmont St is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12748 LARCHMONT ST, POWAY, CA 92064-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 10, 2023	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA CU
Oct 30, 2018	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Deed Document Number	2023180015
Prior Transfer Date	Dec 21, 2022
Prior Transfer Doc	0000480539
Record Updated	Sep 20, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 10, 2023
Property Address	12748 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000180015
Map Reference	MAP 7578
Instrument Date	Jun 7, 2023
Instrument	2023-0180015
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	16949 ROBINS NEST WAY APT 2, 2, SAN DIEGO, CA 92127-3351

Mortgage

Document Number	0000180016
Date	Jul 10, 2023
Instrument	2023-0180016

Lender

Name	CALIFORNIA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	5-Year TN
Max Rate	10.3%

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2018
Property Address	12748 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000453603
Instrument Date	Oct 29, 2018
Instrument	453603
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12748 LARCHMONT ST POWAY CA 920642637, POWAY, CA 92064-2637

Tax Assessment & Valuation

The 2025 property tax bill for 12748 Larchmont St was $12,248.

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		$1,098,142 (+2%) Land $655,452 Building $442,690
2025	$12,248.00	$1,076,610 Land $642,600 Building $434,010
2023	$11,287.00 (+379.89%)	$1,000,000 (+381.23%) Land $620,000 Building $380,000
2022	$2,352.00 Homeowner's exemption	$207,802 Land $53,335 Building $154,467

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12748 Larchmont St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 12748 Larchmont St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 500
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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