12909 Camino del Valle, Poway, CA 92064 Property Records

San Diego County property record for 12909 Camino del Valle, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,385 sqft · built 1978
Lot Size	0.9 acres (39,204 sqft)
Owner	Company Name on File
Last Sale	$1,395,000 (Nov 2020)
Tax Bill	$17,047 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Feb 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`275-380-24-00`

Property Details

APN / Parcel Number

Primary APN	`275-380-24-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,385 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Roof Material	Wood Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12909 CAMINO DEL VALLE
City	POWAY
State	CA
Zip	92064-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-C
Legal Description	LOT 97 TR 004933
Legal Subdivision	VALLE VERDE ESTATES
Legal Tract	004933
Legal Block	3
Legal Lot Number	97
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	17006

Owner

12909 Camino del Valle is owned by a company that bought it in November 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jan 26, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 24, 2020	Grant Deed, Transfer CLEAREDGE LNDG
Jun 14, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on File
Deed Sale	Nov 24, 2020 · Amount on File
Prior Sale	Jun 5, 2014 · Amount on File
Deed Document Number	2020748450
Prior Transfer Date	May 30, 2017
Prior Transfer Doc	0000266151
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813

Mortgage

Document Number	0000022051
Date	Jan 26, 2024
Instrument	2024-0022051

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066075
Date	Feb 25, 2019
Instrument	2019-0066075

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2020
Property Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813
Document Number	0000748450
Instrument Date	Nov 3, 2020
Instrument	748450
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,535.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7575 EADS AVE #207 LA JOLLA CA 920374861, 207, LA JOLLA, CA 92037-4861
Investor	Possibly a Property Investor

Mortgage

Document Number	748451
Date	Nov 24, 2020
Instrument	748451

Lender

Name	CLEAREDGE LNDG
Address	STAMFORD, CT 06901

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2017
Property Address	12909 CAMINO DEL VALLE, POWAY, CA 92064-1813
Document Number	0000266151
Instrument Date	May 30, 2017
Instrument	266151
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	FIDELITY NATIONAL TITLE

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	12909 CAMINO DEL VALLE POWAY CA 920641813, POWAY, CA 92064-1813

Tax Assessment & Valuation

The 2025 property tax bill for 12909 Camino del Valle was $17,047 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		$1,540,189 (+2%) Land $993,671 Building $546,518
2025	$17,047.00 Homeowner's exemption	$1,509,990 Land $974,188 Building $535,802
2023	$16,247.00 (+1.7%) Homeowner's exemption	$1,451,358 Land $936,360 Building $514,998
2022	$15,976.00

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

Flood

FEMA maps place 12909 Camino del Valle in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 12909 Camino del Valle is low, with a 0.01% annual chance of 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 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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