10646 Sandy Creek Dr, Santee, CA 92071 Property Records

San Diego County property record for 10646 Sandy Creek Dr, Santee, CA 92071 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,558 sqft · built 2018
Lot Size	0.137 acres (5,996 sqft)
Owner	2 Individual Names on File
Last Sale	$723,500 (Nov 2017)
Tax Bill	$9,724 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`381-651-82-00`

Property Details

APN / Parcel Number

Primary APN	`381-651-82-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,558 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	5,996 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10646 SANDY CREEK DR
City	SANTEE
State	CA
Zip	92071-5047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 82 TR 016191
Legal Subdivision	SANTEE 2015-02
Legal Tract	016191
Legal Block	3
Legal Lot Number	82
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3010
Census Tract	16607

Owner

Source: San Diego County records · APN 381-651-82-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Apr 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Nov 28, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2017 · Amount on Record
Deed Sale	Nov 28, 2017 · Amount on Record
Deed Document Number	2017551707
Last Transfer Date	Apr 24, 2020
Transfer Doc	0000221611
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047

Mortgage

Document Number	0000078064
Date	Feb 02, 2021
Instrument	2021-0078064

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company
Address	TUCSON, AZ 85711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2020
Property Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047
Document Number	0000221611
Map Reference	MAP 16191
Instrument Date	Apr 24, 2020
Instrument	2020-0221611
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	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	Community Property with Right of Survivorship
Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047

Mortgage

Document Number	0000221612
Date	Apr 30, 2020
Instrument	2020-0221612

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2017
Property Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047
Document Number	0000551707
Map Reference	MAP16191
Instrument Date	Nov 02, 2017
Instrument	2017-0551707
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FNTG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	10646 SANDY CREEK DR, SANTEE, CA 92071-5047

Mortgage

Document Number	0000551708
Date	Nov 28, 2017
Instrument	2017-0551708

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$839,533 (+2%) Land $409,684 Building $429,849
2025	$9,724.00 (+4.33%) Homeowner's exemption	$823,072 (+4.04%) Land $401,651 Building $421,421
2023	$9,320.00 (+0.7%) Homeowner's exemption	$791,112 Land $386,055 Building $405,057
2022	$9,255.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730166073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 654 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon, Cox Communications, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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