San Diego County property record for 12852 Francine Ter, Poway, CA 92064
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,631 sqft · built 1969 |
| Lot Size | 0.266 acres (11,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Nov 2013) |
| Tax Bill | $7,018 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 316-100-10-00 |
| Primary APN | 316-100-10-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,631 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 11,600 sqft (0.266 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12852 FRANCINE TER |
|---|---|
| City | POWAY |
| State | CA |
| Zip | 92064-4126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Description | LOT 41 DOC207443REC68 IN LOT 40&IN TR 004406 |
| Legal Subdivision | POWAY PORTALS |
| Legal Tract | 004406 |
| Legal Block | 2 |
| Legal Lot Number | 41,40 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 17050 |
12852 Francine Ter is owned by two individuals who bought it in November 2013.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3887 PELL PL, 334, SAN DIEGO, CA 92130-4153 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2013 · Amount on File |
| Deed Sale | Nov 25, 2013 · Amount on File |
| Prior Sale | Oct 23, 2012 · Amount on File |
| Deed Document Number | 2013692180 |
| Prior Transfer Date | Aug 7, 2009 |
| Prior Transfer Doc | 0000465441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12852 FRANCINE TER, POWAY, CA 92064-4126 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 12608 CARMEL COUNTRY RD 3636, 3636, SAN DIEGO, CA 92130-2127 |
| Document Number | 0000079371 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 2026-0079371 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12852 FRANCINE TER, POWAY, CA 92064-4126 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | GUARDIAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000415623 |
|---|---|
| Date | Sep 11, 2017 |
| Instrument | 2017-0415623 |
| Name | SAN DIEGO FUNDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
The 2025 property tax bill for 12852 Francine Ter was $7,018, up 2.7% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Poway City |
| Unified School District | Poway Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $625,176 (+2%) Land $384,725 Building $240,451 | |
| 2025 | $7,018.00 (+2.68%) | $612,919 Land $377,182 Building $235,737 |
| 2024 | $6,835.00 (+2.15%) | |
| 2023 | $6,691.00 (+1.69%) | $589,121 Land $362,537 Building $226,584 |
| 2022 | $6,580.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12852 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 risk around 12852 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.
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 |
| 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.
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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