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15816 Cumberland Dr, Poway, CA 92064 Property Records

San Diego County property record for 15816 Cumberland Dr, Poway, CA 92064 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,583 sqft · built 1988
Lot Size0.534 acres (23,265 sqft)
OwnerCompany Name on File
Last Sale$386,500 (Nov 1993)
Tax Bill$7,752 (2025)
Deeds & MortgagesOct 2019 Mortgage
Jul 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN278-438-04-00

Property Details

APN / Parcel Number

Primary APN278-438-04-00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Building Area2,583 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Lot Area23,265 sqft (0.534 acres)
Garage TypeCarport
CarportCarport
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address15816 CUMBERLAND DR
CityPOWAY
StateCA
Zip92064-2345
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 71 TR 011361
Legal SubdivisionPOWAY #4091-R
Legal Tract011361
Legal Block1
Legal Lot Number71
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1004
Census Tract17021

Owner

Source: San Diego County records · APN 278-438-04-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address15816 CUMBERLAND DR, POWAY, CA 92064-2345
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Oct 07, 2019Deed of Trust, Mortgage · Conventional Mortgage
NOVA FINANCIAL & INVESTMENT CORP
Jul 28, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 28, 2020Quit Claim Deed, Transfer
LAWYERS TITLE-SD
Jul 28, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 1993 · Amount on Record
Deed SaleNov 15, 1993 · Amount on Record
Prior SaleJun 24, 1987 · Amount on Record
Deed Document Number1993763719
Last Transfer DateJul 10, 2020
Transfer Doc0000413052
Record UpdatedSep 20, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address15816 CUMBERLAND DR, POWAY, CA 92064-2345
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000444692
DateOct 07, 2019
Instrument2019-0444692
Lender
NameNOVA FINANCIAL & INVESTMENT CORP
TypeFunding / Finance Company
AddressTUCSON, AZ 85711
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2049

July 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJul 28, 2020
Property Address15816 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number0000413053
Map ReferenceMAP 11361
Instrument DateJul 22, 2020
Instrument2020-0413053
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyLAWYERS TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15816 CUMBERLAND DR, POWAY, CA 92064-2345

Mortgage

Document Number0000413054
DateJul 28, 2020
Instrument2020-0413054
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJul 28, 2020
Property Address15816 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number0000413052
Instrument DateJul 10, 2020
Instrument413052
Transaction TypeTransfer
Record UpdatedAug 06, 2020
Title CompanyLAWYERS TITLE-SD

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address15816 CUMBERLAND DR POWAY CA 920642345, POWAY, CA 92064-2345

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJul 28, 2020
Property Address15816 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number0000413055
Instrument DateJul 10, 2020
Instrument413055
Transaction TypeTransfer
Record UpdatedAug 06, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address15816 CUMBERLAND DR POWAY CA 920642345, POWAY, CA 92064-2345

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityPoway City
Unified School DistrictPoway Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$669,607 (+2%) Land $179,842 Building $489,765
2025$7,752.00 (+4.73%)$656,478 (+4.04%) Land $176,316 Building $480,162
2023$7,402.00 (+1.62%)$630,988 Land $169,470 Building $461,518
2022$7,284.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730170211, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims3 (1998–2010)
Claims Outside the SFHA3 of 3
Most Recent ClaimOct 2010, rainfall accumulation

Wildfire

Wildfire RiskHigh
above 82% of the US · above 60% of California
Wildfire LikelihoodAbout 1 in 200 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
SpectrumCable1,000 / 1,000
San Diego BroadbandFixed Wireless (unlicensed)500 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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