12785 Cobblestone Creek Rd, #87, Poway, CA 92064 Property Records

San Diego County property record for 12785 Cobblestone Creek Rd, #87, Poway, CA 92064

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 4 ba · 3,700 sqft · built 1951
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$17,004 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`316-070-24-00`

Property Details

APN / Parcel Number

Primary APN	`316-070-24-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	3,700 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Multi-Family
Lot Area	187,308 sqft

Location & Zoning

Street Address	12785 COBBLESTONE CREEK RD, 87
City	POWAY
State	CA
Zip	92064-5348
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RR-C
Legal Description	SEC 22-14-2W NEQ 4.30 AC M/L IN ROS 2253 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 assessment roll, as of July 21, 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	12785 COBBLESTONE CREEK RD, POWAY, CA 92064-5348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 17, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Mar 4, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 8, 2008
Deed Sale	Dec 8, 2008
Deed Document Number	2008625960
Last Transfer Date	Mar 16, 2021
Transfer Doc	0000000083
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12785-87 COBBLESTONE CREEK RD, 87, POWAY, CA 92064-5348

Mortgage

Document Number	0000659336
Date	Sep 17, 2021
Instrument	2021-0659336

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 17, 2021
Property Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348
Document Number	0000210283
Instrument Date	Mar 16, 2021
Instrument	2021-0210283
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2021
Property Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348
Document Number	0000170969
Instrument Date	Feb 2, 2021
Instrument	2021-0170969
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12785 COBBLESTONE CREEK RD # 87, 87, POWAY, CA 92064-5348
Document Number	0000591264
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12785 COBBLESTONE CREEK RD #87 POWAY CA 920645348, 87, POWAY, CA 92064-5348

Mortgage

Document Number	0000591264
Date	Dec 18, 2019
Instrument	591264

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,523,628 (+2%) Land $993,671 Building $529,957
2025	$17,004.00 (+4.88%) Homeowner's exemption	$1,493,754 (+4.04%) Land $974,188 Building $519,566
2023	$16,213.00 (+1.68%) Homeowner's exemption	$1,435,752 Land $936,360 Building $499,392
2022	$15,945.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 USA Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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