12881 Oak Tree Ln, Poway, CA 92064 Property Records

San Diego County property record for 12881 Oak Tree Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,798 sqft · built 1996
Lot Size	0.176 acres (7,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,225,000 (Jun 2025)
Tax Bill	$9,578 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`317-211-12-00`

Property Details

APN / Parcel Number

Primary APN	`317-211-12-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,798 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	7,677 sqft (0.176 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12881 OAK TREE LN
City	POWAY
State	CA
Zip	92064-6048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 8 TR 013211
Legal Subdivision	POWAY 94-02
Legal Tract	013211
Legal Block	3
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	17048

Owner

Source: San Diego County records, as of July 21, 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	1429 MIDWAY DR, ALPINE, CA 91901-3715
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit MY POINT CU SD
May 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 17, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Document Number	2025151937
Prior Transfer Date	Apr 27, 2021
Prior Transfer Doc	0000336919
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12881 OAK TREE LN, POWAY, CA 92064-6048
Transaction Type	Mortgage
Record Updated	Jan 31, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12881 OAK TREE LN, POWAY, CA 92064-6048

Mortgage

Document Number	0000015477
Date	Jan 20, 2023
Instrument	2023-0015477

Lender

Name	MY POINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2021
Property Address	12881 OAK TREE LN, POWAY, CA 92064-6048
Document Number	0000336919
Map Reference	MAP 13211
Instrument Date	Apr 27, 2021
Instrument	2021-0336919
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12881 OAK TREE LN, POWAY, CA 92064-6048

Mortgage

Document Number	0000336920
Date	May 3, 2021
Instrument	2021-0336920

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2018
Property Address	12881 OAK TREE LN, POWAY, CA 92064-6048
Document Number	0000386497
Map Reference	MAP 13211
Instrument Date	Aug 17, 2018
Instrument	2018-0386497
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
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	12881 OAK TREE LN, POWAY, CA 92064-6048

Mortgage

Document Number	0000386498
Date	Sep 17, 2018
Instrument	2018-0386498

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Mortgage

Document Number	0000386499
Date	Sep 17, 2018
Instrument	2018-0386499

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 16, 2017
Property Address	12881 OAK TREE LN, POWAY, CA 92064-6048
Document Number	0000218796
Instrument Date	Apr 28, 2017
Instrument	218796
Transaction Type	Transfer
Record Updated	May 22, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12881 OAK TREE LN POWAY CA 920646048, POWAY, CA 92064-6048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$841,984 (+2%) Land $298,036 Building $543,948
2025	$9,578.00 (+4.8%)	$825,476 (+4.04%) Land $292,193 Building $533,283
2023	$9,139.00 (+1.65%)	$793,424 Land $280,848 Building $512,576
2022	$8,991.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Oak Tree Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures