12760 Larchmont St, Poway, CA 92064 Property Records

San Diego County property record for 12760 Larchmont St, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,181 sqft · built 1978
Lot Size	0.18 acres (7,861 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (Oct 2020)
Tax Bill	$9,976 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Oct 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`314-580-29-00`

Property Details

APN / Parcel Number

Primary APN	`314-580-29-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,181 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,861 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12760 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 221 TR 007578
Legal Subdivision	RANCHO VERDE
Legal Tract	007578
Legal Block	4
Legal Lot Number	221
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4001
Census Tract	17054

Owner

12760 Larchmont St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 17, 2018	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 13, 2020	Grant Deed, Transfer · Conventional Mortgage MISSION FCU
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 20, 2020	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Nov 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Jun 16, 1992 · Amount on File
Deed Document Number	2020618830
Prior Transfer Date	Nov 1, 2018
Prior Transfer Doc	0000473478
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018399
Date	Jan 17, 2018
Instrument	2018-0018399

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2020
Property Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000618830
Map Reference	MAP 7578
Instrument Date	Oct 2, 2020
Instrument	2020-0618830
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	12760 LARCHMONT ST, POWAY, CA 92064-2637

Mortgage

Document Number	0000618831
Date	Oct 13, 2020
Instrument	2020-0618831

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000085930
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12760 LARCHMONT ST POWAY CA 920642637, POWAY, CA 92064-2637

Mortgage

Document Number	0000085930
Date	Feb 20, 2020
Instrument	85930

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 19, 2060

Interest

Rate Type	Adjustable Rate

February 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 20, 2020
Property Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000085929
Instrument Date	Dec 13, 2019
Instrument	85929
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12760 LARCHMONT ST POWAY CA 920642637, POWAY, CA 92064-2637

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2018
Property Address	12760 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000473478
Instrument Date	Nov 1, 2018
Instrument	473478
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12760 LARCHMONT ST POWAY CA 920642637, POWAY, CA 92064-2637

Tax Assessment & Valuation

The 2025 property tax bill for 12760 Larchmont St was $9,976 with a homeowner's exemption.

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		$899,821 (+2%) Land $179,288 Building $720,533
2025	$9,976.00 Homeowner's exemption	$882,178 Land $175,773 Building $706,405
2023	$9,508.00 (+1.7%) Homeowner's exemption	$847,924 Land $168,949 Building $678,975
2022	$9,349.00

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

Flood

FEMA maps place 12760 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 12760 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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