10046 Rancho Capitan, Lakeside, CA 92040 Property Records

San Diego County property record for 10046 Rancho Capitan, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,233 sqft · built 1995
Lot Size	0.166 acres (7,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Aug 2022)
Tax Bill	$11,343 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`395-410-02-00`

Property Details

APN / Parcel Number

Primary APN	`395-410-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,233 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	7,218 sqft (0.166 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10046 RANCHO CAPITAN
City	LAKESIDE
State	CA
Zip	92040-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 2 TR 012927
Legal Subdivision	SAN DIEGO 4467
Legal Tract	012927
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	16804

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10046 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT CORP
Jun 9, 2021	Grant Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	2022338313
Prior Transfer Date	Mar 18, 2002
Prior Transfer Doc	0000527209
Record Updated	Oct 29, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 23, 2022
Property Address	10046 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000338313
Map Reference	MAP 12927
Instrument Date	Aug 10, 2022
Instrument	2022-0338313
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	10046 RANCHO CAPITAN, LAKESIDE, CA 92040-2500

Mortgage

Document Number	0000338314
Date	Aug 23, 2022
Instrument	2022-0338314

Lender

Name	WORLD WIDE CREDIT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 9, 2021
Property Address	10046 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000427597
Map Reference	MAP 12927
Instrument Date	Apr 8, 2021
Instrument	2021-0427597
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	10046 RANCHO CAPITAN, LAKESIDE, CA 92040-2500

Mortgage

Document Number	0000427598
Date	Jun 9, 2021
Instrument	2021-0427598

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Month LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Lakeside Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$902,024 (+2%) Land $559,876 Building $342,148
2025	$11,343.00 (+11.28%)	$884,339 (+9.45%) Land $548,899 Building $335,440
2023	$10,193.00 (+8.49%)	$808,000 Land $501,000 Building $307,000
2022	$9,395.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAKESIDE WD private · serves 35,500 people · EPA ID CA3710013
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
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	1 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon, Wyyerd Connect.

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