13909 Sam O Reno Rd, Poway, CA 92064 Property Records

San Diego County property record for 13909 Sam O Reno Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 1970
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$617,500 (Sep 2019)
Tax Bill	$7,721 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`323-202-41-00`

Property Details

APN / Parcel Number

Primary APN	`323-202-41-00`
Alternative APN	`3233200500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,204 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	6,300 sqft (0.145 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	3233200500
Street Address	13909 SAM O RENO RD
City	POWAY
State	CA
Zip	92064-4835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Description	LOT 62 TR 006312
Legal Subdivision	RANCHO POWAY
Legal Tract	006312
Legal Block	2
Legal Lot Number	62
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17009

Owner

Source: San Diego County records, 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 Record
Mailing Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Apr 8, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 10, 2020	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage JOAN SERRANO
Sep 11, 2019	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Jul 11, 2008 · Amount on Record
Deed Document Number	2019395501
Prior Transfer Date	Oct 6, 2016
Prior Transfer Doc	0000547239
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13909 SAM O RENO RD, POWAY, CA 92064-4835

Mortgage

Document Number	0000251314
Date	Jun 16, 2022
Instrument	2022-0251314

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13909 SAM O RENO RD, POWAY, CA 92064-4835

Mortgage

Document Number	0000274295
Date	Apr 8, 2021
Instrument	2021-0274295

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000369121
Date	Jul 10, 2020
Instrument	2020-0369121

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Document Number	0000335252
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13909 SAM O RENO RD POWAY CA 920644835, POWAY, CA 92064-4835

Mortgage

Document Number	0000335252
Date	Aug 9, 2019
Instrument	335252

Lender

Name	JOAN SERRANO
Address	11906 DAPPLE WAY, SAN DIEGO, CA 92128-5235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 11, 2019
Property Address	13909 SAM O RENO RD, POWAY, CA 92064-4835
Document Number	0000395501
Instrument Date	Jul 17, 2019
Instrument	395501
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$679.25
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	13909 SAM O RENO RD POWAY CA 920644835, POWAY, CA 92064-4835

Mortgage

Document Number	395502
Date	Sep 11, 2019
Instrument	395502

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

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		$688,827 (+2%) Land $521,102 Building $167,725
2025	$7,721.00 (+4.88%)	$675,322 (+4.04%) Land $510,885 Building $164,437
2023	$7,362.00 (+1.69%)	$649,100 Land $491,048 Building $158,052
2022	$7,240.00

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	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2017 · ground movement

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 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% 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 368 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
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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