13978 Carriage Rd, Poway, CA 92064 Property Records

San Diego County property record for 13978 Carriage Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,736 sqft · built 1990
Lot Size	0.415 acres (18,099 sqft)
Owner	2 Company Names on Record
Last Sale	$1,200,000 (May 2022)
Tax Bill	$14,508 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`314-052-28-00`

Property Details

APN / Parcel Number

Primary APN	`314-052-28-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,736 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	18,099 sqft (0.415 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	13978 CARRIAGE RD
City	POWAY
State	CA
Zip	92064-3836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC-3
Legal Description	LOT 352 TR 012270
Legal Subdivision	CITY/POWAY 4191-4R
Legal Tract	012270
Legal Block	2
Legal Lot Number	352
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17040

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	2 Company Names on Record
Mailing Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 17, 2025	Intrafamily Transfer, Transfer TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF CA SD
Oct 16, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 26, 2022	Intrafamily Transfer, Transfer · Line of Credit GEORGIAS OWN CU
May 26, 2022	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Apr 15, 1996 · Amount on Record
Deed Document Number	2022224287
Last Transfer Date	Apr 29, 2024
Transfer Doc	0000136664
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13978 CARRIAGE RD, POWAY, CA 92064-3836

Mortgage

Document Number	0000357097
Date	Dec 18, 2025
Instrument	2025-0357097

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	49226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19618 BERMUDA ST, CHATSWORTH, CA 91311-1921

Mortgage

Document Number	0000298765
Date	Apr 19, 2021
Instrument	2021-0298765

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 17, 2025
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Document Number	0000290608
Map Reference	MAP 12270
Instrument Date	Aug 25, 2025
Instrument	2025-0290608
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF CA SD

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	13978 CARRIAGE RD, POWAY, CA 92064-3836

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2025
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Document Number	0000289468
Map Reference	MAP 12270
Instrument Date	Aug 25, 2025
Instrument	2025-0289468
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF CA SD

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	Community Property with Right of Survivorship
Address	13978 CARRIAGE RD, POWAY, CA 92064-3836

Mortgage

Document Number	0000289469
Date	Oct 16, 2025
Instrument	2025-0289469

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2022
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Document Number	0000224286
Map Reference	MAP 12270
Instrument Date	May 18, 2022
Instrument	2022-0224286
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	CHICAGO TITLE COMPANY

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
Address	13978 CARRIAGE RD, POWAY, CA 92064-3836

Mortgage

Document Number	0000224289
Date	May 26, 2022
Instrument	2022-0224289

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2022
Property Address	13978 CARRIAGE RD, POWAY, CA 92064-3836
Document Number	0000224287
Map Reference	MAP 12270
Instrument Date	Apr 22, 2022
Instrument	2022-0224287
Transaction Type	Transfer
Record Updated	Jun 6, 2022
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	Joint Tenants
Address	13978 CARRIAGE RD, POWAY, CA 92064-3836

Mortgage

Document Number	0000224288
Date	May 26, 2022
Instrument	2022-0224288

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000224289
Date	May 26, 2022
Instrument	2022-0224289

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,316,780 (+3.4%) Land $924,090 Building $392,690
2025	$14,508.00 (+21.71%) Homeowner's exemption	$1,273,440 (+20.93%) Land $848,960 Building $424,480
2023	$11,920.00 (+105.77%) Homeowner's exemption	$1,053,000 Land $702,000 Building $351,000
2022	$5,793.00

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

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 98% of the US · lower than 98.4% 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 501 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Carriage Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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