12857 Elmfield Ln, Poway, CA 92064 Property Records

San Diego County property record for 12857 Elmfield Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1974
Lot Size	0.141 acres (6,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$527,500 (Mar 2007)
Tax Bill	$7,996 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`275-553-13-00`

Property Details

APN / Parcel Number

Primary APN	`275-553-13-00`
Alternative APN	`2755531100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 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	6,134 sqft (0.141 acres)
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

Old Parcel Number	2755531100
Street Address	12857 ELMFIELD LN
City	POWAY
State	CA
Zip	92064-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 36 (EX ST OP) TR 007420
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	007420
Legal Block	3
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
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	12857 ELMFIELD LN, POWAY, CA 92064-1515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 21, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jan 12, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2007 · Amount on Record
Deed Sale	Mar 2, 2007 · Amount on Record
Prior Sale	Jan 2, 2003 · Amount on Record
Deed Document Number	2007146181
Last Transfer Date	Jan 5, 2017
Transfer Doc	0000017530
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12857 ELMFIELD LN, POWAY, CA 92064-1515
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12857 ELMFIELD LN, POWAY, CA 92064-1515

Mortgage

Document Number	0000116736
Date	Feb 16, 2021
Instrument	2021-0116736

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12857 ELMFIELD LN, POWAY, CA 92064-1515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE SAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000483838
Date	Nov 21, 2018
Instrument	2018-0483838

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 30, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 12, 2017
Property Address	12857 ELMFIELD LN, POWAY, CA 92064-1515
Document Number	0000017530
Map Reference	MAP7420
Instrument Date	Jan 5, 2017
Instrument	2017-0017530
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12857 ELMFIELD LN, POWAY, CA 92064-1515

Mortgage

Document Number	0000017531
Date	Jan 12, 2017
Instrument	2017-0017531

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2057

Interest

Rate Type	Fixed Rate
Rate	3.37%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	9.37%

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		$720,831 (+2%) Land $498,776 Building $222,055
2025	$7,996.00 (+4.92%) Homeowner's exemption	$706,698 (+4.04%) Land $488,997 Building $217,701
2023	$7,621.00 (+1.71%) Homeowner's exemption	$679,258 Land $470,009 Building $209,249
2022	$7,493.00

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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