13401 Whitewater Dr, Poway, CA 92064 Property Records

San Diego County property record for 13401 Whitewater Dr, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,330 sqft · built 1977
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Jun 2025)
Tax Bill	$7,638 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`323-401-19-00`

Property Details

APN / Parcel Number

Primary APN	`323-401-19-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	105 ft deep x 60 ft wide
View / Lot	Good
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

Street Address	13401 WHITEWATER DR
City	POWAY
State	CA
Zip	92064-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 34 TR 007791
Legal Subdivision	WESTGATE POWAY
Legal Tract	007791
Legal Block	1
Legal Lot Number	34
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17010

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Oct 2, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 27, 2018	Grant Deed, Transfer · VA Mortgage QUICKEN LNS
Jul 10, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	2025150462
Prior Transfer Date	Dec 6, 2006
Prior Transfer Doc	0000881674
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2026
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Document Number	0000091383
Instrument Date	Mar 23, 2026
Instrument	202691383
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	13401 WHITEWATER DR, POWAY, CA 92064-5226

Mortgage

Document Number	0000091383,
Date	Apr 2, 2026
Instrument	202691383

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3273 AUSTIN AVE, NEW BERN, NC 28562-7084

Mortgage

Document Number	0000102179
Date	Feb 9, 2021
Instrument	2021-0102179

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jan 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043379
Date	Feb 2, 2018
Instrument	2018-0043379

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 17, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Document Number	0000461671
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13401 WHITEWATER DR POWAY CA 920645226, POWAY, CA 92064-5226

Mortgage

Document Number	0000461671
Date	Oct 15, 2019
Instrument	461671

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2018
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Document Number	0000530041
Instrument Date	Nov 27, 2018
Instrument	530041
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$665.50
Amount Accuracy	Full Value
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	13401 WHITEWATER DR POWAY CA 920645226, POWAY, CA 92064-5226

Mortgage

Document Number	530042
Date	Dec 27, 2018
Instrument	530042

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13401 WHITEWATER DR, POWAY, CA 92064-5226
Document Number	0000323853
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13401 WHITEWATER DR POWAY CA 920645226, POWAY, CA 92064-5226

Mortgage

Document Number	0000323853
Date	Jul 19, 2017
Instrument	323853

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

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		$994,499 (+47.36%) Land $566,101 Building $428,398
2025	$7,638.00 (+2.7%)	$674,883 (+4.04%) Land $384,165 Building $290,718
2024	$7,437.00 (+2.17%)
2023	$7,279.00 (+1.7%) Homeowner's exemption	$648,679 Land $369,249 Building $279,430
2022	$7,157.00

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	5 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	High above 86% of the US · above 67% of California
Wildfire Likelihood	0.9% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 144 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

May also be available: San Diego Broadband, Verizon.

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