6545 Poco Lago, Rancho Santa Fe, CA 92067 Property Records

San Diego County property record for 6545 Poco Lago, Rancho Santa Fe, CA 92067

Property Summary

Property Type	Single Family Home
Details	6 bd · 7.5 ba · 9,298 sqft · built 2003
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Trust Names on File
Last Sale	$3,980,000 (Jun 2015)
Tax Bill	$54,642 (2025)
Deeds & Mortgages	Dec 2022 Transfer Dec 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`305-050-36-00`

Property Details

APN / Parcel Number

Primary APN	`305-050-36-00`

Interior

Bedrooms	6 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Building Area	9,298 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	72,310 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	6545 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 36 TR 010677
Legal Subdivision	SAN DIEGO #4018
Legal Tract	010677
Legal Block	1
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	17062

Owner

6545 Poco Lago is held in a trust since November 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	11720 EL CAMINO REAL, SAN DIEGO, CA 92130-2243
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
Dec 27, 2022	Intrafamily Transfer, Transfer TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH
Dec 27, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Jul 29, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FUNDLOANS CAPITAL
Aug 9, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2015 · Amount on File
Deed Sale	Jun 29, 2015 · Amount on File
Prior Sale	Aug 14, 2000 · Amount on File
Deed Document Number	2015338541
Last Transfer Date	Nov 28, 2022
Transfer Doc	0000479431
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2022
Property Address	6545 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000479430
Map Reference	MAP 10677
Instrument Date	Nov 29, 2022
Instrument	2022-0479430
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

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	6545 POCO LAGO, RANCHO SANTA FE, CA 92067

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2022
Property Address	6545 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000479431
Map Reference	MAP 10677
Instrument Date	Nov 28, 2022
Instrument	2022-0479431
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

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	6545 POCO LAGO, RANCHO SANTA FE, CA 92067

Mortgage

Document Number	0000479432
Date	Dec 27, 2022
Instrument	2022-0479432

Lender

Name	FUNDLOANS CAPITAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 29, 2022
Property Address	6545 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000310712
Map Reference	MAP 10677
Instrument Date	Jul 24, 2022
Instrument	2022-0310712
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA

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	11720 EL CAMINO REAL STE 250, 250, SAN DIEGO, CA 92130-2243

Mortgage

Document Number	0000310713
Date	Jul 29, 2022
Instrument	2022-0310713

Lender

Name	FUNDLOANS CAPITAL
Type	Non-Lending Institution

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	13.5%
Index	Other
Max Rate	13.5%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 9, 2022
Property Address	6545 POCO LAGO, RANCHO SANTA FE, CA 92067
Document Number	0000322930
Map Reference	MAP 10677
Instrument Date	Jul 6, 2022
Instrument	2022-0322930
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	11720 EL CAMINO REAL STE 250, 250, SAN DIEGO, CA 92130-2243

Tax Assessment & Valuation

The 2025 property tax bill for 6545 Poco Lago was $54,642.

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		$5,145,029 (+2%) Land $1,448,868 Building $3,696,161
2025	$54,642.00	$5,044,147 Land $1,420,459 Building $3,623,688
2023	$52,212.00 (+1.74%)	$4,848,278 Land $1,365,301 Building $3,482,977
2022	$51,321.00

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

Flood

FEMA maps place 6545 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 6545 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 98% of the US · lower than 98.4% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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