13592 Ranch Creek Ln, Poway, CA 92064 Property Records

San Diego County property record for 13592 Ranch Creek Ln, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,505 sqft · built 1996
Lot Size	2.21 acres (96,703 sqft)
Owner	Company Name on Record
Last Sale	$1,650,000 (Aug 2017)
Tax Bill	$21,310 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`275-800-14-00`

Property Details

APN / Parcel Number

Primary APN	`275-800-14-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	5,505 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	96,703 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	13592 RANCH CREEK LN
City	POWAY
State	CA
Zip	92064-2166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-B
Legal Description	LOT 5 TR 011974
Legal Subdivision	GREEN VLY SUMMIT 85-03
Legal Tract	011974
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1006
Census Tract	17053

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	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Apr 1, 2021	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage WESCOM CTRL CU
Aug 2, 2017	Grant Deed, Transfer · Conventional Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2017 · Amount on Record
Deed Sale	Aug 2, 2017 · Amount on Record
Prior Sale	Aug 11, 1998 · Amount on Record
Deed Document Number	2017348408
Prior Transfer Date	Feb 2, 2009
Prior Transfer Doc	0000049615
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Transaction Type	Mortgage
Record Updated	Jan 2, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166

Mortgage

Document Number	0000476034
Date	Dec 22, 2022
Instrument	2022-0476034

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166

Mortgage

Document Number	0000705932
Date	Nov 12, 2020
Instrument	2020-0705932

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Nov 1, 2029

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166

Mortgage

Document Number	0000252098
Date	Apr 1, 2021
Instrument	2021-0252098

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Document Number	0000556226
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13592 RANCH CREEK LN POWAY CA 920642166, POWAY, CA 92064-2166

Mortgage

Document Number	0000556226
Date	Dec 2, 2019
Instrument	556226

Lender

Name	WESCOM CTRL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 2, 2017
Property Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166
Document Number	0000348408
Map Reference	MAP11974
Instrument Date	Jul 13, 2017
Instrument	2017-0348408
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	13592 RANCH CREEK LN, POWAY, CA 92064-2166

Mortgage

Document Number	0000348409
Date	Aug 2, 2017
Instrument	2017-0348409

Lender

Name	BOFI FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Aug 1, 2026

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		$1,914,961 (+2%) Land $928,466 Building $986,495
2025	$21,310.00 (+4.9%)	$1,877,413 (+4.04%) Land $910,261 Building $967,152
2023	$20,315.00 (+1.68%)	$1,804,513 Land $874,915 Building $929,598
2022	$19,979.00

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	6 in force
Nearby Flood Claims	4 (1983–2010)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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