12810 Francine Ter, Poway, CA 92064 Property Records

San Diego County property record for 12810 Francine Ter, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,631 sqft · built 1969
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Apr 2019)
Tax Bill	$7,905 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`316-091-11-00`

Property Details

APN / Parcel Number

Primary APN	`316-091-11-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,631 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12810 FRANCINE TER
City	POWAY
State	CA
Zip	92064-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 30 TR 004406
Legal Subdivision	POWAY PORTALS
Legal Tract	004406
Legal Block	2
Legal Lot Number	30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17050

Owner

12810 Francine Ter is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	12810 FRANCINE TER, POWAY, CA 92064-4112
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
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 27, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 29, 2019	Correction Deed, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO
Apr 29, 2019	Grant Deed, Transfer · FHA Mortgage CSTONE MORTGAGE INC
Mar 18, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on File
Deed Sale	Apr 29, 2019 · Amount on File
Deed Document Number	2019156688
Prior Transfer Date	Mar 21, 1996
Prior Transfer Doc	0000164344
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12810 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000720992
Date	Oct 18, 2021
Instrument	2021-0720992

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12810 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000216565
Date	Mar 19, 2021
Instrument	2021-0216565

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jun 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043384
Date	Jan 27, 2020
Instrument	2020-0043384

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46038

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jun 1, 2049

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2019
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000156687
Instrument Date	Apr 25, 2019
Instrument	156687
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2810 FRANCINE TER POWAY CA 92064, POWAY, CA 92064

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2019
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000156688
Map Reference	MAP 4406
Instrument Date	Apr 22, 2019
Instrument	2019-0156688
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL 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	12810 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000156689
Date	Apr 29, 2019
Instrument	2019-0156689

Lender

Name	CSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

March 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2019
Property Address	12810 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000094830
Instrument Date	Jan 22, 2019
Instrument	94830
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12810 FRANCINE TER POWAY CA 920644112, POWAY, CA 92064-4112

Tax Assessment & Valuation

The 2025 property tax bill for 12810 Francine Ter was $7,905.

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		$705,447 (+2%) Land $512,020 Building $193,427
2025	$7,905.00	$691,616 Land $501,981 Building $189,635
2023	$7,537.00 (+1.69%)	$664,762 Land $482,490 Building $182,272
2022	$7,412.00

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

Flood

FEMA maps place 12810 Francine Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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 12810 Francine Ter is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 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 Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

Nearby Properties on Francine Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures