10479 Towns Ter, Lakeside, CA 92040 Property Records

San Diego County property record for 10479 Towns Ter, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,931 sqft · built 2014
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Company Names on Record
Last Sale	$125,000 (Nov 2013)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`379-120-42-00`

Property Details

APN / Parcel Number

Primary APN	`379-120-42-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,931 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	22,651 sqft (0.52 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	10479 TOWNS TER
City	LAKESIDE
State	CA
Zip	92040-1656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAR 3 TR PM19420
Legal Subdivision	PARCEL MAP NO 19420
Legal Tract	1019420
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	16901

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 Company Names on Record
Mailing Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 9, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2013 · Amount on Record
Deed Sale	Nov 7, 2013 · Amount on Record
Deed Document Number	2013665590
Last Transfer Date	May 22, 2024
Transfer Doc	0000172839
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656

Mortgage

Document Number	0000283288
Date	Oct 10, 2025
Instrument	2025-0283288

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 31, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656

Mortgage

Document Number	0000177011
Date	Mar 8, 2021
Instrument	2021-0177011

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000185881
Date	May 9, 2018
Instrument	2018-0185881

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10479 TOWNS TER, LAKESIDE, CA 92040-1656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000330016
Date	Jun 24, 2020
Instrument	2020-0330016

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$490,954 (+2%) Land $174,681 Building $316,273
2025	$5,879.00 (+6.85%)	$481,328 (+4.04%) Land $171,256 Building $310,072
2023	$5,502.00 (+1.61%) Homeowner's exemption	$462,640 Land $164,607 Building $298,033
2022	$5,415.00

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 · 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
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	6 (1980–2024)
Most Recent Claim	Feb 2024 · Severe Storms And Flooding
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.05% 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	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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: AT&T, T-Mobile, Verizon.

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