15856 Cumberland Dr, Poway, CA 92064 Property Records

San Diego County property record for 15856 Cumberland Dr, Poway, CA 92064 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,071 sqft · built 1988
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Company Names on File
Last Sale	$1,256,500 (Feb 2021)
Tax Bill	$15,607 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2023 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`278-437-67-00`

Property Details

APN / Parcel Number

Primary APN	`278-437-67-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,071 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15856 CUMBERLAND DR
City	POWAY
State	CA
Zip	92064-2345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 66 TR 011361
Legal Subdivision	4091-R
Legal Tract	011361
Legal Block	1
Legal Lot Number	66
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	17021

Owner

Source: San Diego County records · APN 278-437-67-00

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Nov 01, 2023	Intrafamily Transfer, Transfer
Nov 01, 2023	Intrafamily Transfer, Transfer
Jan 07, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Feb 16, 2021	Intrafamily Transfer, Transfer CALIFORNIA TITLE COMPANY
Feb 16, 2021	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Nov 21, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 16, 2021 · Amount on Record
Deed Sale	Feb 16, 2021 · Amount on Record
Prior Sale	Jun 22, 2012 · Amount on Record
Deed Document Number	2021119846
Last Transfer Date	Oct 24, 2023
Transfer Doc	0000301558
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345

Mortgage

Document Number	0000088473
Date	Apr 10, 2024
Instrument	2024-0088473

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 01, 2023
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000301558
Map Reference	MAP 11361
Instrument Date	Oct 24, 2023
Instrument	2023-0301558
Transaction Type	Transfer
Record Updated	Nov 10, 2023

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	15856 CUMBERLAND DR, POWAY, CA 92064-2345

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 01, 2023
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000301557
Map Reference	MAP 11361
Instrument Date	Oct 24, 2023
Instrument	2023-0301557
Transaction Type	Transfer
Record Updated	Nov 10, 2023

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	15856 CUMBERLAND DR, POWAY, CA 92064-2345

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345

Mortgage

Document Number	0000010254
Date	Jan 07, 2022
Instrument	2022-0010254

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 05, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2021
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000119845
Map Reference	MAP 11361
Instrument Date	Jan 27, 2021
Instrument	2021-0119845
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA 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	1650 WILSON BLVD, ARLINGTON, VA 22209-2508

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2021
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000119846
Map Reference	MAP 11361
Instrument Date	Jan 22, 2021
Instrument	2021-0119846
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	350 K ST UNIT 406, 406, SAN DIEGO, CA 92101-6994

Mortgage

Document Number	0000119847
Date	Feb 16, 2021
Instrument	2021-0119847

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000498834
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15856 CUMBERLAND DR POWAY CA 920642345, POWAY, CA 92064-2345

Mortgage

Document Number	0000498834
Date	Dec 04, 2018
Instrument	498834

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15856 CUMBERLAND DR, POWAY, CA 92064-2345
Document Number	0000175862
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 08, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	15856 CUMBERLAND DR POWAY CA 920642345, POWAY, CA 92064-2345

Mortgage

Document Number	0000175862
Date	May 02, 2018
Instrument	175862

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$1,386,999 (+2%) Land $828,060 Building $558,939
2025	$15,607.00 (+4.84%) Homeowner's exemption	$1,359,804 (+4.04%) Land $811,824 Building $547,980
2023	$14,886.00 (+1.67%) Homeowner's exemption	$1,307,002 Land $780,300 Building $526,702
2022	$14,642.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1998–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2010, rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	About 1 in 562 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Spectrum	Cable	1,000 / 1,000
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

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

Mobile Coverage

5G and 4G LTE

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