12861 Carriage Rd, Poway, CA 92064 Property Records

San Diego County property record for 12861 Carriage Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,500 sqft · built 1967
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (May 2022)
Tax Bill	$9,523 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2018 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`317-424-21-00`

Property Details

APN / Parcel Number

Primary APN	`317-424-21-00`
Alternative APN	`3174131500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,700 sqft (0.2 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	3174131500
Street Address	12861 CARRIAGE RD
City	POWAY
State	CA
Zip	92064-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 3 (EX ST) TR 005678
Legal Subdivision	RIDGEDALE
Legal Tract	005678
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2008
Census Tract	17048

Owner

Source: San Diego County records, as of August 14, 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	12861 CARRIAGE RD, POWAY, CA 92064-6013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Grant Deed, Transfer · Conventional Mortgage OPTIONWIDE FINANCIAL CORP
Feb 15, 2018	Loan Modification, Mortgage · FHA Mortgage CROSSCOUNTRY MTG
Feb 15, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Mar 21, 2016 · Amount on Record
Deed Document Number	2022221730
Prior Transfer Date	Jun 13, 2011
Prior Transfer Doc	0000313831
Record Updated	Sep 20, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2022
Property Address	12861 CARRIAGE RD, POWAY, CA 92064-6013
Document Number	0000221730
Map Reference	MAP 5678
Instrument Date	Apr 11, 2022
Instrument	2022-0221730
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12861 CARRIAGE RD, POWAY, CA 92064-6013

Mortgage

Document Number	0000221731
Date	May 24, 2022
Instrument	2022-0221731

Lender

Name	OPTIONWIDE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	12861 CARRIAGE RD, POWAY, CA 92064-6013
Document Number	0000143270
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12861 CARRIAGE RD POWAY CA 920646013, POWAY, CA 92064-6013

Mortgage

Document Number	0000143270
Date	Apr 11, 2018
Instrument	143270

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12861 CARRIAGE RD, POWAY, CA 92064-6013
Document Number	0000130824
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12861 CARRIAGE RD POWAY CA 920646013, POWAY, CA 92064-6013

Mortgage

Document Number	0000130824
Date	Apr 3, 2018
Instrument	130824

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2048

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		$840,000 (+0.6%) Land $556,000 Building $284,000
2025	$9,523.00 (+7.76%)	$835,000 (+6.91%) Land $553,000 Building $282,000
2023	$8,837.00 (+37.97%)	$781,000 Land $517,000 Building $264,000
2022	$6,405.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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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