16285 Oak Creek Trl, Poway, CA 92064 Property Records

San Diego County property record for 16285 Oak Creek Trl, Poway, CA 92064

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,379 sqft · built 1967
Lot Size	2.18 acres (94,961 sqft)
Owner	Individual Name on File
Last Sale	$2,225,000 (Jun 2026)
Tax Bill	$23,702 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`275-700-47-00`

Property Details

APN / Parcel Number

Primary APN	`275-700-47-00`
Alternative APN	`2757001600`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	4,379 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	94,961 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2757001600
Street Address	16285 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	PAR 3 TR PM04613
Legal Subdivision	PARCEL MAP NO 4613
Legal Tract	4613
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17053

Owner

16285 Oak Creek Trl is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	16285 OAK CREEK TRL, POWAY, CA 92064-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Jun 18, 2026	Grant Deed, Transfer · Conventional Mortgage BMO HARRIS BANK
Oct 19, 2021	Grant Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Oct 19, 2021 · Amount on File
Deed Document Number	2026176425
Prior Transfer Date	Apr 25, 2012
Prior Transfer Doc	0000252211
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16285 OAK CREEK TRL, POWAY, CA 92064-1703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO & EPN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116227
Date	Mar 15, 2022
Instrument	2022-0116227

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2026
Property Address	16285 OAK CREEK TRL, POWAY, CA 92064-1703
Document Number	0000176425
Instrument Date	Jun 2, 2026
Instrument	2026176425
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,197.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16285 OAK CREEK TRL, POWAY, CA 92064-1703

Mortgage

Document Number	0000176426,
Date	Jun 18, 2026
Instrument	2026176426

Lender

Name	BMO HARRIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 19, 2021
Property Address	16285 OAK CREEK TRL, POWAY, CA 92064-1703
Document Number	0000726652
Instrument Date	Sep 17, 2021
Instrument	2021-0726652
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	16285 OAK CREEK TRL, POWAY, CA 92064-1703

Mortgage

Document Number	0000726653
Date	Oct 19, 2021
Instrument	2021-0726653

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 16285 Oak Creek Trl was $23,702.

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		$2,132,389 (+2%) Land $1,244,796 Building $887,593
2025	$23,702.00	$2,090,579 Land $1,220,389 Building $870,190
2023	$22,595.00 (+1.69%)	$2,009,400 Land $1,173,000 Building $836,400
2022	$22,220.00

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

Flood

FEMA maps place 16285 Oak Creek Trl in Zone X, an area of minimal flood risk, within 100 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 100 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 16285 Oak Creek Trl is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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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