San Diego County property record for 10396 Sandy Cove Way, Santee, CA 92071
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,384 sqft · built 2024 |
| Owner | 2 Trust Names on File |
| Last Sale | $1,128,500 (Oct 2024) |
| Tax Bill | $14,493 (2025) |
| Deeds & Mortgages | Dec 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 381-760-59-00 |
| Primary APN | 381-760-59-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,384 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 10396 SANDY COVE WAY |
|---|---|
| City | SANTEE |
| State | CA |
| Zip | 92071-2742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TC |
| Legal Description | LOT 59 TR 016462 |
| Legal Subdivision | WALKER TRLS TM 2016-1 |
| Legal Tract | 016462 |
| Legal Block | 2 |
| Legal Lot Number | 59 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 16615 |
10396 Sandy Cove Way is owner-occupied and held in a trust since October 2024.
Source: San Diego County records, as of July 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10396 SANDY COVE WAY, SANTEE, CA 92071-2742 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2024 · Amount on File |
| Deed Sale | Oct 22, 2024 · Amount on File |
| Deed Document Number | 2024287290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10396 SANDY COVE WAY, SANTEE, CA 92071-2742 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Name | Verified Name |
|---|
| Document Number | 0000347217 |
|---|---|
| Date | Dec 19, 2023 |
| Instrument | 2023-0347217 |
| Name | SUNWEST BANK |
|---|---|
| Type | Bank |
| Address | IRVINE, CA 92614 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10396 Sandy Cove Way was $14,493.
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Santee City |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Elementary School District | Santee School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,151,039 (+2%) Land $484,500 Building $666,539 | |
| 2025 | $14,493.00 Homeowner's exemption | $1,128,470 Land $475,000 Building $653,470 |
| 2023 | $2,361.00 (-2.03%) | $96,016 Land $96,016 |
| 2022 | $2,410.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 10396 Sandy Cove Way in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 risk around 10396 Sandy Cove Way is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PADRE DAM MWD serves 93,980 people · EPA ID CA3710037 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2022 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 453 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Verizon.
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