12828 Francine Ter, Poway, CA 92064 Property Records

San Diego County property record for 12828 Francine Ter, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,011 sqft · built 1969
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (May 2018)
Tax Bill	$10,421 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`316-091-14-00`

Property Details

APN / Parcel Number

Primary APN	`316-091-14-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,011 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	11,500 sqft (0.264 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12828 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 33 TR 004406
Legal Subdivision	POWAY PORTALS
Legal Tract	004406
Legal Block	2
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17050

Owner

12828 Francine Ter is owned and occupied by two individuals who bought it in May 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2018	Deed of Trust, Mortgage US BANK NA
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
May 23, 2018	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK
Mar 29, 2017	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on File
Deed Sale	May 23, 2018 · Amount on File
Prior Sale	Mar 29, 2017 · Amount on File
Deed Document Number	2018208717
Prior Transfer Date	Aug 26, 2009
Prior Transfer Doc	0000628065
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036147
Date	Jan 30, 2018
Instrument	2018-0036147

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036146
Date	Jan 30, 2018
Instrument	2018-0036146

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12828 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000825350
Date	Dec 22, 2020
Instrument	2020-0825350

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000489236
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12828 FRANCINE TER POWAY CA 920644112, POWAY, CA 92064-4112

Mortgage

Document Number	0000489236
Date	Oct 28, 2019
Instrument	489236

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 23, 2018
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000208717
Map Reference	MAP 4406
Instrument Date	Apr 28, 2018
Instrument	2018-0208717
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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	12828 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000208718
Date	May 23, 2018
Instrument	2018-0208718

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2017
Property Address	12828 FRANCINE TER, POWAY, CA 92064-4112
Document Number	0000140587
Map Reference	MAP4406
Instrument Date	Mar 6, 2017
Instrument	2017-0140587
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA 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	Joint Tenants
Address	12828 FRANCINE TER, POWAY, CA 92064-4112

Mortgage

Document Number	0000140588
Date	Mar 29, 2017
Instrument	2017-0140588

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12828 Francine Ter was $10,421 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		$940,066 (+2%) Land $231,154 Building $708,912
2025	$10,421.00 Homeowner's exemption	$921,634 Land $226,622 Building $695,012
2023	$9,932.00 (+1.7%) Homeowner's exemption	$885,848 Land $217,823 Building $668,025
2022	$9,766.00

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

Flood

FEMA maps place 12828 Francine Ter 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	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 12828 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.

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