13448 Whitewater Dr, Poway, CA 92064 Property Records

San Diego County property record for 13448 Whitewater Dr, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 1977
Lot Size	0.159 acres (6,939 sqft)
Owner	Company Name on Record
Tax Bill	$1,606 (2025)
Deeds & Mortgages	May 2023 Transfer May 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`323-401-06-00`

Property Details

APN / Parcel Number

Primary APN	`323-401-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,654 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	6,939 sqft (0.159 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	13448 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 20 TR 007791
Legal Subdivision	WESTGATE POWAY
Legal Tract	007791
Legal Block	1
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17010

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Intrafamily Transfer, Transfer
May 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU
Sep 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2017	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 28, 2023
Transfer Doc	0000128855
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 17, 2023
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000128855
Map Reference	MAP 7791
Instrument Date	Apr 28, 2023
Instrument	2023-0128855
Transaction Type	Transfer
Record Updated	May 26, 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	Family Trust
Address	13448 WHITEWATER DR, POWAY, CA 92064-5227

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	May 13, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13448 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000198074
Date	May 6, 2022
Instrument	2022-0198074

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13448 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000631583
Date	Sep 7, 2021
Instrument	2021-0631583

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Mar 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013521
Date	Jan 10, 2020
Instrument	2020-0013521

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	POWAY, CA 92064

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13448 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000553553
Date	Sep 21, 2020
Instrument	2020-0553553

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13448 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000393986
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 4, 2017
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13448 WHITEWATER DR POWAY CA 920645227, POWAY, CA 92064-5227

Mortgage

Document Number	0000393986
Date	Aug 29, 2017
Instrument	393986

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

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		$143,028 (+2%) Land $28,479 Building $114,549
2025	$1,606.00 (+4.97%) Homeowner's exemption	$140,224 (+4.04%) Land $27,921 Building $112,303
2023	$1,530.00 (+1.8%) Homeowner's exemption	$134,781 Land $26,838 Building $107,943
2022	$1,503.00

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 80% of the US · above 58% of California
Wildfire Likelihood	0.6% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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