6511 Poco Lago, Rancho Santa Fe, CA 92067 Property Records

San Diego County property record for 6511 Poco Lago, Rancho Santa Fe, CA 92067

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,788 sqft · built 1986
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Trust Names on File
Last Sale	$3,780,000 (Feb 2025)
Tax Bill	$24,732 (2025)
Deeds & Mortgages	May 2020 Transfer May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`305-050-31-00`

Property Details

APN / Parcel Number

Primary APN	`305-050-31-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,788 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	43,996 sqft
View / Lot	Good
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	6511 POCO LAGO
City	RANCHO SANTA FE
State	CA
Zip	92067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 31 TR 010677
Legal Subdivision	SAN DIEGO 4018
Legal Tract	010677
Legal Block	1
Legal Lot Number	31
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	17062

Owner

6511 Poco Lago is held in a trust since February 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	529 N CEDROS AVE, SOLANA BEACH, CA 92075-4205
Owner Type	Company
Vesting	Trust

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
May 7, 2020	Quit Claim Deed, Transfer LAWYERS TITLE
May 7, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2025 · Amount on File
Deed Sale	Feb 7, 2025 · Amount on File
Prior Sale	May 7, 2020 · Amount on File
Deed Document Number	202531592
Prior Transfer Date	Apr 21, 2020
Prior Transfer Doc	0000232609
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 7, 2020
Property Address	6511 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000232609
Instrument Date	Apr 21, 2020
Instrument	232609
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5785 CAPE JEWELS TRL SAN DIEGO CA 921306915, SAN DIEGO, CA 92130-6915

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 7, 2020
Property Address	6511 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000232610
Map Reference	MAP 10677
Instrument Date	Apr 17, 2020
Instrument	2020-0232610
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	LAWYERS 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6511 POCO LAGO, RANCHO SANTA FE, CA 92067

Mortgage

Document Number	0000232611
Date	May 7, 2020
Instrument	2020-0232611

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jun 1, 2027
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 6511 Poco Lago was $24,732.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	San Dieguito Union High School District (07 - 12)
Elementary School District	Solana Beach Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,855,600 (+73.15%) Land $2,958,000 Building $897,600
2025	$24,732.00	$2,226,716 Land $1,531,102 Building $695,614
2023	$23,086.00 (+1.91%)	$2,100,252 Land $1,471,649 Building $628,603
2022	$22,653.00

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

Flood

FEMA maps place 6511 Poco Lago in Zone X, an area of minimal flood risk.

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 6 (20% premium discount)
Nearby Flood Policies	9 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

Wildfire risk around 6511 Poco Lago is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Poco Lago

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