12842 Summerfield Ln, Poway, CA 92064 Property Records

San Diego County property record for 12842 Summerfield Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 1974
Lot Size	0.164 acres (7,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Apr 2019)
Tax Bill	$9,352 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`275-551-04-00`

Property Details

APN / Parcel Number

Primary APN	`275-551-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,621 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,151 sqft (0.164 acres)
Lot Dimensions	113 ft deep x 63 ft wide
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	12842 SUMMERFIELD LN
City	POWAY
State	CA
Zip	92064-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 4 TR 007420
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	007420
Legal Block	3
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3004
Census Tract	17006

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	2 Individual Names on Record
Mailing Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Apr 2, 2018	Deed of Trust, Mortgage · ARM SAN DIEGO COUNTY CU
Nov 1, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 24, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2019 · Amount on Record
Deed Sale	Apr 24, 2019 · Amount on Record
Deed Document Number	2019149959
Prior Transfer Date	May 8, 2000
Prior Transfer Doc	0000257127
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129202
Date	Apr 2, 2018
Instrument	2018-0129202

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129201
Date	Apr 2, 2018
Instrument	2018-0129201

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 1, 2023
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	8.37%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000501460
Date	Nov 1, 2019
Instrument	2019-0501460

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2049

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	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532

Mortgage

Document Number	0000507061
Date	Sep 2, 2020
Instrument	2020-0507061

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 24, 2019
Property Address	12842 SUMMERFIELD LN, POWAY, CA 92064-1532
Document Number	0000149959
Instrument Date	Mar 31, 2019
Instrument	149959
Transaction Type	Transfer
Record Updated	May 2, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12842 SUMMERFIELD LN POWAY CA 920641532, POWAY, CA 92064-1532

Mortgage

Document Number	149960
Date	Apr 24, 2019
Instrument	149960

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

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		$836,295 (+2%) Land $238,388 Building $597,907
2025	$9,352.00 (+4.89%)	$819,898 (+4.04%) Land $233,714 Building $586,184
2023	$8,916.00 (+1.68%)	$788,063 Land $224,640 Building $563,423
2022	$8,769.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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	Not rated no burnable land within 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 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications, GeoLinks, Verizon.

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