10098 Rancho Capitan, Lakeside, CA 92040 Property Records

San Diego County property record for 10098 Rancho Capitan, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,495 sqft · built 1994
Lot Size	0.166 acres (7,224 sqft)
Owner	2 Trust Names on File
Last Sale	$395,000 (Dec 2011)
Tax Bill	$6,640 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`395-410-07-00`

Property Details

APN / Parcel Number

Primary APN	`395-410-07-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,495 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	7,224 sqft (0.166 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10098 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 7 TR 012927
Legal Subdivision	COUNTY/SAN DIEGO #4467
Legal Tract	012927
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	16804

Owner

10098 Rancho Capitan is owner-occupied and held in a trust since February 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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 9, 2022	Deed of Trust, Mortgage · Line of Credit WESTERN ALLIANCE BANK
Feb 8, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2011 · Amount on File
Deed Sale	Dec 30, 2011 · Amount on File
Prior Sale	Mar 16, 2011 · Amount on File
Deed Document Number	2011710264
Last Transfer Date	Feb 3, 2021
Transfer Doc	0000097548
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500

Mortgage

Document Number	0000198628
Date	May 9, 2022
Instrument	2022-0198628

Lender

Name	WESTERN ALLIANCE BANK
Type	Bank
Address	LA MESA, CA 91942

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2021
Property Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000097550
Map Reference	MAP 12927
Instrument Date	Feb 3, 2021
Instrument	2021-0097550
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Family Trust
Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2021
Property Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000097548
Map Reference	MAP 12927
Instrument Date	Feb 3, 2021
Instrument	2021-0097548
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Relationship	Joint Tenants
Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500

Mortgage

Document Number	0000097549
Date	Feb 8, 2021
Instrument	2021-0097549

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 22, 2020
Property Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000395266
Instrument Date	Jul 11, 2020
Instrument	395266
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10098 RANCHO CAPITAN LAKESIDE CA 920402500, LAKESIDE, CA 92040-2500

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2017
Property Address	10098 RANCHO CAPITAN, LAKESIDE, CA 92040-2500
Document Number	0000527669
Instrument Date	Jul 28, 2017
Instrument	527669
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10098 RANCHO CAPITAN LAKESIDE CA 920402500, LAKESIDE, CA 92040-2500

Tax Assessment & Valuation

The 2025 property tax bill for 10098 Rancho Capitan was $6,640.

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		$506,051 (+2%) Land $202,419 Building $303,632
2025	$6,640.00 Homeowner's exemption	$496,129 Land $198,450 Building $297,679
2023	$6,216.00 (+1.95%) Homeowner's exemption	$476,866 Land $190,745 Building $286,121
2022	$6,097.00

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

Flood

FEMA maps place 10098 Rancho Capitan in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10098 Rancho Capitan is high, ranking above 71% of the US, with a 0.3% annual chance of 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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