16221 Oak Creek Trl, Poway, CA 92064 Property Records

San Diego County property record for 16221 Oak Creek Trl, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,662 sqft · built 2003
Lot Size	1.21 acres (53,143 sqft)
Owner	Company Name on File
Last Sale	$240,000 (Mar 2000)
Tax Bill	$13,179 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`275-700-71-00`

Property Details

APN / Parcel Number

Primary APN	`275-700-71-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,662 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	53,143 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16221 OAK CREEK TRL
City	POWAY
State	CA
Zip	92064-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-C
Legal Description	SEC 30-13-1W SWQ PAR B PER DOC93-471599
Legal Range	01W
Legal Township	13
Legal Section	30
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17053

Owner

16221 Oak Creek Trl is owned by a company that acquired it in February 2015 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Oct 31, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit CALIFORNIA BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2000 · Amount on File
Deed Sale	Mar 17, 2000 · Amount on File
Deed Document Number	2000137744
Last Transfer Date	Feb 17, 2015
Transfer Doc	0000156259
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703

Mortgage

Document Number	0000399715
Date	Oct 14, 2022
Instrument	2022-0399715

Lender

Name	ZB NA
Type	Bank
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703

Mortgage

Document Number	0000847642
Date	Dec 15, 2021
Instrument	2021-0847642

Lender

Name	MCJAB INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000507758
Date	Oct 31, 2017
Instrument	2017-0507758

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000507759
Date	Oct 31, 2017
Instrument	2017-0507759

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16221 OAK CREEK TRL, POWAY, CA 92064-1703
Document Number	0000496838
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16221 OAK CREEK TRL POWAY CA 920641703, POWAY, CA 92064-1703

Mortgage

Document Number	0000496838
Date	Oct 31, 2019
Instrument	496838

Lender

Name	CALIFORNIA BK&TR
Type	Bank
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 16221 Oak Creek Trl was $13,179 with a homeowner's exemption.

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		$1,190,020 (+2%) Land $406,377 Building $783,643
2025	$13,179.00 Homeowner's exemption	$1,166,687 Land $398,409 Building $768,278
2023	$12,560.00 (+1.69%) Homeowner's exemption	$1,121,386 Land $382,940 Building $738,446
2022	$12,351.00

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

Flood

FEMA maps place 16221 Oak Creek Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1983–2010)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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

Wildfire risk around 16221 Oak Creek Trl is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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