13518 Whitewater Dr, Poway, CA 92064 Property Records

San Diego County property record for 13518 Whitewater Dr, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,708 sqft · built 1977
Lot Size	0.172 acres (7,492 sqft)
Owner	Company Name on Record
Last Sale	$819,000 (Apr 2019)
Tax Bill	$10,986 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`323-401-10-00`

Property Details

APN / Parcel Number

Primary APN	`323-401-10-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,708 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	13518 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 24 (EX ST) TR 007791
Legal Subdivision	WESTGATE POWAY
Legal Tract	007791
Legal Block	1
Legal Lot Number	24
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	13518 WHITEWATER DR, POWAY, CA 92064-5227
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit CABRILLO CU
Jun 14, 2023	Intrafamily Transfer, Transfer
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA COAST CU
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit CABRILLO CU
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit CABRILLO CU
Apr 29, 2019	Grant Deed, Transfer · Conventional Mortgage CABRILLO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Mar 28, 2016 · Amount on Record
Deed Document Number	2019156360
Prior Transfer Date	Mar 6, 1995
Prior Transfer Doc	0000124583
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13518 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000010825
Date	Jan 14, 2026
Instrument	2026-0010825

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 9, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2023
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000155779
Map Reference	MAP 7791
Instrument Date	Jun 5, 2023
Instrument	2023-0155779
Transaction Type	Transfer
Record Updated	Jun 23, 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	13518 WHITEWATER DR, POWAY, CA 92064-5227

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13518 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000296783
Date	Jul 19, 2022
Instrument	2022-0296783

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	4%
Index	5-Year CMT
Max Rate	7%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13518 WHITEWATER DR, POWAY, CA 92064-5227

Mortgage

Document Number	0000613450
Date	Aug 30, 2021
Instrument	2021-0613450

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000654465
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	13518 WHITEWATER DR POWAY CA 920645227, POWAY, CA 92064-5227

Mortgage

Document Number	0000654465
Date	Oct 26, 2020
Instrument	654465

Lender

Name	CABRILLO CU
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 25, 2045

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2019
Property Address	13518 WHITEWATER DR, POWAY, CA 92064-5227
Document Number	0000156360
Instrument Date	Apr 9, 2019
Instrument	156360
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	13518 WHITEWATER DR POWAY CA 920645227, POWAY, CA 92064-5227

Mortgage

Document Number	156361
Date	Apr 29, 2019
Instrument	156361

Lender

Name	CABRILLO CU
Address	SAN DIEGO, CA 92131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

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		$991,177 (+2%) Land $659,736 Building $331,441
2025	$10,986.00 (+6.67%) Homeowner's exemption	$971,743 (+5.78%) Land $646,800 Building $324,943
2023	$10,299.00 (+3.38%) Homeowner's exemption	$918,629 Land $621,685 Building $296,944
2022	$9,962.00

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
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

Nearby Properties on Whitewater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures