12769 Larchmont St, Poway, CA 92064 Property Records

San Diego County property record for 12769 Larchmont St, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1978
Lot Size	0.352 acres (15,329 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jun 2001)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Mar 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`314-580-32-00`

Property Details

APN / Parcel Number

Primary APN	`314-580-32-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	15,329 sqft (0.352 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12769 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 218 (EX ST) TR 007578
Legal Subdivision	RANCHO VERDE
Legal Tract	007578
Legal Block	4
Legal Lot Number	218
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4001
Census Tract	17054

Owner

12769 Larchmont St is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 23, 2018	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS INSURANCE GROUP FCU
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 20, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2001 · Amount on File
Deed Sale	Jun 15, 2001 · Amount on File
Deed Document Number	2001405449
Last Transfer Date	Sep 16, 2019
Transfer Doc	0000415963
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116588
Date	Mar 23, 2018
Instrument	2018-0116588

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116587
Date	Mar 23, 2018
Instrument	2018-0116587

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12769 LARCHMONT ST, POWAY, CA 92064-2637

Mortgage

Document Number	0000691517
Date	Nov 5, 2020
Instrument	2020-0691517

Lender

Name	FARMERS INSURANCE GROUP FCU
Type	Credit Union
Address	BURBANK, CA 91504

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 14, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12769 LARCHMONT ST, POWAY, CA 92064-2637

Mortgage

Document Number	0000535854
Date	Sep 14, 2020
Instrument	2020-0535854

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 20, 2019
Property Address	12769 LARCHMONT ST, POWAY, CA 92064-2637
Document Number	0000415963
Map Reference	MAP 7578
Instrument Date	Sep 16, 2019
Instrument	2019-0415963
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12769 LARCHMONT ST, POWAY, CA 92064-2637

Mortgage

Document Number	0000415964
Date	Sep 20, 2019
Instrument	2019-0415964

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Mortgage

Document Number	0000415965
Date	Sep 20, 2019
Instrument	2019-0415965

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12769 Larchmont St was $5,209 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		$468,754 (+2%) Land $276,644 Building $192,110
2025	$5,209.00 Homeowner's exemption	$459,564 Land $271,220 Building $188,344
2023	$4,963.00 (+1.7%) Homeowner's exemption	$441,720 Land $260,689 Building $181,031
2022	$4,880.00

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

Flood

FEMA maps place 12769 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 12769 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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