12888 Francine Ter, Poway, CA 92064 Property Records

San Diego County property record for 12888 Francine Ter, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1970
Lot Size	0.246 acres (10,700 sqft)
Owner	Trust Name on File
Last Sale	$309,000 (Aug 2000)
Tax Bill	$5,277 (2025)
Deeds & Mortgages	Jun 2021 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`316-140-28-00`

Property Details

APN / Parcel Number

Primary APN	`316-140-28-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	10,700 sqft (0.246 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12888 FRANCINE TER
City	POWAY
State	CA
Zip	92064-4127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 83 TR 006407
Legal Subdivision	POWAY PORTALS
Legal Tract	006407
Legal Block	2
Legal Lot Number	83
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17050

Owner

12888 Francine Ter is owner-occupied and held in a trust since May 2021.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Trust Name on File
Mailing Address	12888 FRANCINE TER, POWAY, CA 92064-4127
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Intrafamily Transfer, Transfer
Oct 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2000 · Amount on File
Deed Sale	Aug 23, 2000 · Amount on File
Prior Sale	Aug 15, 1995 · Amount on File
Deed Document Number	2000451085
Last Transfer Date	May 19, 2021
Transfer Doc	0000410299
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 2, 2021
Property Address	12888 FRANCINE TER, POWAY, CA 92064-4127
Document Number	0000410299
Map Reference	MAP 5407
Instrument Date	May 19, 2021
Instrument	2021-0410299
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	12888 FRANCINE TER, POWAY, CA 92064-4127

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2020
Property Address	12888 FRANCINE TER, POWAY, CA 92064-4127
Document Number	0000675849
Map Reference	MAP 6407
Instrument Date	Oct 26, 2020
Instrument	2020-0675849
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Address	12888 FRANCINE TER, POWAY, CA 92064-4127

Mortgage

Document Number	0000675850
Date	Oct 30, 2020
Instrument	2020-0675850

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12888 FRANCINE TER, POWAY, CA 92064-4127
Document Number	0000204419
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12888 FRANCINE TER POWAY CA 920644127, POWAY, CA 92064-4127

Mortgage

Document Number	0000204419
Date	May 8, 2017
Instrument	204419

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12888 Francine Ter was $5,277 with a homeowner's exemption.

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		$474,904 (+2%) Land $246,537 Building $228,367
2025	$5,277.00 Homeowner's exemption	$465,593 Land $241,703 Building $223,890
2023	$5,028.00 (+1.7%) Homeowner's exemption	$447,515 Land $232,318 Building $215,197
2022	$4,944.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12888 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

Wildfire risk around 12888 Francine Ter is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.2% 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 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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