12823 Carriage Rd, Poway, CA 92064 Property Records

San Diego County property record for 12823 Carriage Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,631 sqft · built 1961
Lot Size	0.179 acres (7,800 sqft)
Owner	Company Name on Record
Last Sale	$162,000 (May 1989)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Nov 2020 Reverse Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`317-350-02-00`

Property Details

APN / Parcel Number

Primary APN	`317-350-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12823 CARRIAGE RD
City	POWAY
State	CA
Zip	92064-6045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 82 TR 004442
Legal Subdivision	TUSTIN HILLS
Legal Tract	004442
Legal Block	3
Legal Lot Number	82
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	17048

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	12823 CARRIAGE RD, POWAY, CA 92064-6045
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Oct 28, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jan 25, 2019	Correction Deed · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 1989 · Amount on Record
Deed Sale	May 26, 1989 · Amount on Record
Deed Document Number	1989280392
Last Transfer Date	Jan 10, 2019
Transfer Doc	0000028975
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12823 CARRIAGE RD, POWAY, CA 92064-6045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12823 CARRIAGE RD, POWAY, CA 92064-6045

Mortgage

Document Number	0000685267
Date	Nov 4, 2020
Instrument	2020-0685267

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12823 CARRIAGE RD, POWAY, CA 92064-6045
Document Number	0000685268
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12823 CARRIAGE RD POWAY CA 920646045, POWAY, CA 92064-6045

Mortgage

Document Number	0000685268
Date	Nov 4, 2020
Instrument	685268

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	2.21%

January 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2019
Property Address	12823 CARRIAGE RD, POWAY, CA 92064-6045
Document Number	0000028975
Map Reference	MAP 4442
Instrument Date	Jan 10, 2019
Instrument	2019-0028975
Record Updated	Aug 24, 2021
Title Company	FNC TITLE OF CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12823 CARRIAGE RD, POWAY, CA 92064-6045

Mortgage

Document Number	0000028976
Date	Jan 25, 2019
Instrument	2019-0028976

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.96%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

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		$340,185 (+2%) Land $143,539 Building $196,646
2025	$3,787.00 (+2.71%) Homeowner's exemption	$333,516 (+4.04%) Land $140,725 Building $192,791
2024	$3,687.00 (+2.19%)
2023	$3,608.00 (+1.72%) Homeowner's exemption	$320,566 Land $135,261 Building $185,305
2022	$3,547.00

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 500 ft
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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, Spectrum, T-Mobile, Verizon.

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