San Diego County property record for 12765 Cherrywood St, Poway, CA 92064
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,099 sqft · built 1988 |
| Lot Size | 0.282 acres (12,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,330,000 (Nov 2023) |
| Tax Bill | $15,525 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 314-761-24-00 |
| Primary APN | 314-761-24-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,099 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 12,295 sqft (0.282 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 12765 CHERRYWOOD ST |
|---|---|
| City | POWAY |
| State | CA |
| Zip | 92064-6452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC-2 |
| Legal Description | LOT 185 TR 011695 |
| Legal Subdivision | POWAY 4191-2R |
| Legal Tract | 011695 |
| Legal Block | 1 |
| Legal Lot Number | 185 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 17040 |
Source: San Diego County records · APN 314-761-24-00
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 08, 2023 | Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Mar 08, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 08, 2023 · Amount on Record |
| Deed Sale | Nov 08, 2023 · Amount on Record |
| Prior Sale | Jan 29, 2015 · Amount on Record |
| Deed Document Number | 2023311280 |
| Prior Transfer Date | Feb 08, 2021 |
| Prior Transfer Doc | 0000176596 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Document Number | 0000285861 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025-0285861 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2045 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 08, 2023 |
| Property Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Document Number | 0000311280 |
| Map Reference | MAP 11695 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 2023-0311280 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Document Number | 0000311281 |
|---|---|
| Date | Nov 08, 2023 |
| Instrument | 2023-0311281 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.67% |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.6% |
| Margin | 3 |
| Max Rate | 11.6% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 08, 2021 |
| Property Address | 12765 CHERRYWOOD ST, POWAY, CA 92064-6452 |
| Document Number | 0000176596 |
| Map Reference | MAP 11695 |
| Instrument Date | Feb 08, 2021 |
| Instrument | 2021-0176596 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 14225 STONEY GATE PL, SAN DIEGO, CA 92128-4255 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Poway City |
| Unified School District | Poway Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,383,732 (+2%) Land $837,522 Building $546,210 | |
| 2025 | $15,525.00 (+58.71%) | $1,356,600 (+58.7%) Land $821,100 Building $535,500 |
| 2023 | $9,782.00 (+1.66%) | $854,828 Land $462,070 Building $392,758 |
| 2022 | $9,622.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 in force |
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: California Internet, San Diego Broadband, Spectrum.
Based on FCC filings for 313 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF POWAY serves 49,888 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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