13416 Whitewater Dr, Poway, CA 92064 Property Records

San Diego County property record for 13416 Whitewater Dr, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,738 sqft · built 1977
Lot Size	0.176 acres (7,668 sqft)
Owner	2 Individual Names on File
Last Sale	$1,015,000 (Jan 2025)
Tax Bill	$8,457 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`323-401-02-00`

Property Details

APN / Parcel Number

Primary APN	`323-401-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,738 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	7,668 sqft (0.176 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13416 WHITEWATER DR
City	POWAY
State	CA
Zip	92064-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 16 TR 007791
Legal Subdivision	WESTGATE POWAY
Legal Tract	007791
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17010

Owner

13416 Whitewater Dr is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 5, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage MECHANICS BANK
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jun 24, 2021	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jul 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2025 · Amount on File
Deed Sale	Jan 27, 2025 · Amount on File
Prior Sale	Nov 3, 2004 · Amount on File
Deed Document Number	202521240
Last Transfer Date	Jan 16, 2026
Transfer Doc	0000061880
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 5, 2026
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000061880
Map Reference	MAP 7791
Instrument Date	Jan 16, 2026
Instrument	2026-0061880
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	ATLAS 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
Relationship	Joint Tenants
Address	13416 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000061881
Date	Mar 5, 2026
Instrument	2026-0061881

Lender

Name	MECHANICS BANK
Type	Bank
Address	WALNUT CREEK, CA 94596

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13416 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000336401
Date	Aug 22, 2022
Instrument	2022-0336401

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 31, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13416 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000458440
Date	Jun 24, 2021
Instrument	2021-0458440

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 30, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000342483
Date	Jul 28, 2017
Instrument	2017-0342483

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000534099
Date	Nov 16, 2017
Instrument	2017-0534099

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13416 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441489
Date	Aug 7, 2020
Instrument	2020-0441489

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 13416 Whitewater Dr was $8,457.

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		$1,035,299 (+38.5%) Land $617,774 Building $417,525
2025	$8,457.00 Homeowner's exemption	$747,508 Land $446,046 Building $301,462
2023	$8,059.00 (+1.69%) Homeowner's exemption	$718,482 Land $428,726 Building $289,756
2022	$7,925.00

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

Flood

FEMA maps place 13416 Whitewater Dr 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	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

Wildfire risk around 13416 Whitewater Dr is high, ranking above 86% of the US, with a 0.9% annual chance of 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

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 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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