15774 Riparian Rd, Poway, CA 92064 Property Records

San Diego County property record for 15774 Riparian Rd, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,508 sqft · built 1988
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,380,000 (Aug 2020)
Tax Bill	$17,118 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-441-11-00`

Property Details

APN / Parcel Number

Primary APN	`278-441-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,508 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	43,560 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	15774 RIPARIAN RD
City	POWAY
State	CA
Zip	92064-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-C
Legal Description	LOT 64 TR 010432
Legal Subdivision	POWAY #3545
Legal Tract	010432
Legal Block	2
Legal Lot Number	64
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
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	2 Individual Names on Record
Mailing Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 28, 2020	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 28, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Jul 29, 2011 · Amount on Record
Deed Document Number	2020496807
Prior Transfer Date	Jun 21, 2019
Prior Transfer Doc	0000256763
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15774 RIPARIAN RD, POWAY, CA 92064-2258

Mortgage

Document Number	0000347717
Date	Aug 31, 2022
Instrument	2022-0347717

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000306678
Date	Jul 27, 2018
Instrument	2018-0306678

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000383532
Date	Sep 5, 2019
Instrument	2019-0383532

Lender

Name	US BANK NA
Type	Bank
Address	POWAY, CA 92064

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2020
Property Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Document Number	0000496807
Map Reference	MAP 10432
Instrument Date	Jul 28, 2020
Instrument	2020-0496807
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO

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	15774 RIPARIAN RD, POWAY, CA 92064-2258
Investor	Possibly a Property Investor

Mortgage

Document Number	0000496808
Date	Aug 28, 2020
Instrument	2020-0496808

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	15774 RIPARIAN RD, POWAY, CA 92064-2258
Document Number	0000256763
Map Reference	MAP 10432
Instrument Date	Jun 21, 2019
Instrument	2019-0256763
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	15774 RIPARIAN RD, POWAY, CA 92064-2258

Mortgage

Document Number	0000256764
Date	Jun 28, 2019
Instrument	2019-0256764

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Mortgage

Document Number	0000256765
Date	Jun 28, 2019
Instrument	2019-0256765

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

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		$1,523,630 (+2%) Land $828,060 Building $695,570
2025	$17,118.00 (+4.84%) Homeowner's exemption	$1,493,756 (+4.04%) Land $811,824 Building $681,932
2023	$16,327.00 (+1.67%) Homeowner's exemption	$1,435,752 Land $780,300 Building $655,452
2022	$16,059.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 170 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, Spectrum.

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