10676 Sandy Creek Dr, Santee, CA 92071 Property Records

San Diego County property record for 10676 Sandy Creek Dr, Santee, CA 92071

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,558 sqft · built 2018
Lot Size	0.136 acres (5,961 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,500 (Dec 2017)
Tax Bill	$10,097 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`381-651-77-00`

Property Details

APN / Parcel Number

Primary APN	`381-651-77-00`

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	5,961 sqft (0.136 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10676 SANDY CREEK DR
City	SANTEE
State	CA
Zip	92071-5047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 77 TR 016191
Legal Subdivision	SANTEE #2015-02
Legal Tract	016191
Legal Block	3
Legal Lot Number	77
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, as of July 21, 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	10676 SANDY CREEK DR, SANTEE, CA 92071-5047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Aug 12, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FEDERAL CREDIT UNION
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Dec 1, 2017	Grant Deed, Transfer · ARM MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Deed Document Number	2017561314
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000609141
Date	Dec 27, 2019
Instrument	2019-0609141

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Margin	2
Max Rate	8.12%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000337059
Date	Aug 12, 2019
Instrument	2019-0337059

Lender

Name	MISSION FEDERAL CREDIT UNION
Type	Government Agency
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047

Mortgage

Document Number	0000790245
Date	Dec 9, 2020
Instrument	2020-0790245

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Margin	2
Max Rate	7.87%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 1, 2017
Property Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047
Document Number	0000561314
Map Reference	MAP16191
Instrument Date	Oct 2, 2017
Instrument	2017-0561314
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FNTG

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	Community Property with Right of Survivorship
Address	10676 SANDY CREEK DR, SANTEE, CA 92071-5047

Mortgage

Document Number	0000561315
Date	Dec 1, 2017
Instrument	2017-0561315

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Margin	2
Max Rate	8%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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

Year	Tax Bill	Assessed Value
2026		$864,875 (+2%) Land $429,413 Building $435,462
2025	$10,097.00 (+4.3%)	$847,918 (+4.04%) Land $420,994 Building $426,924
2023	$9,681.00 (+0.69%)	$814,995 Land $404,648 Building $410,347
2022	$9,615.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 654 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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