13975 Rancho de Oro Rd, Poway, CA 92064 Property Records

San Diego County property record for 13975 Rancho de Oro Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	6 bd · 8.5 ba · 8,878 sqft
Lot Size	9.48 acres (412,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Nov 2020)
Tax Bill	$21,877 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`321-271-50-00`

Property Details

APN / Parcel Number

Primary APN	`321-271-50-00`

Interior

Bedrooms	6 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Building Area	8,878 sqft Living Area

Exterior

Lot Area	412,949 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	13975 RANCHO DE ORO RD
City	POWAY
State	CA
Zip	92064-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-A
Legal Description	PAR 1 TR PM21430
Legal Subdivision	CITY/POWAY
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17010

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	14952 CONCHOS DR, POWAY, CA 92064-2634
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage PICO CAPITAL LLC
Feb 12, 2018	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Feb 12, 2018 · Amount on Record
Deed Document Number	2020718530
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13975 RANCHO DE ORO RD, POWAY, CA 92064-3102
Transaction Type	Mortgage
Record Updated	May 4, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14952 CONCHOS DR, POWAY, CA 92064-2634

Mortgage

Document Number	0000107650
Date	Apr 25, 2023
Instrument	2023-0107650

Lender

Name	PICO CAPITAL LLC
Type	Non-Lending Institution
Address	LOS ANGELES, CA 90064

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 12, 2018
Property Address	13975 RANCHO DE ORO RD, POWAY, CA 92064-3102
Document Number	0000056036
Map Reference	DOC2017-0191850
Instrument Date	Jan 19, 2018
Instrument	2018-0056036
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	Joint Tenants
Address	13975 RANCHO DEL ORO RD, POWAY, CA 92064-3102

Mortgage

Document Number	0000056037
Date	Feb 12, 2018
Instrument	2018-0056037

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

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		$982,631 (-48.52%) Land $982,631
2025	$21,877.00 (+105.71%)	$1,908,904 (+106.15%) Land $963,364 Building $945,540
2023	$10,635.00 (+1.65%)	$925,956 Land $925,956
2022	$10,462.00

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	2 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Feb 1980 · rainfall accumulation

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 86% of the US · above 66% of California
Wildfire Likelihood	0.8% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cox Communications, Verizon.

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