12040 Rocoso Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 12040 Rocoso Rd, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,367 sqft · built 1993
Lot Size	2.26 acres (98,446 sqft)
Owner	2 Individual Names on Record
Last Sale	$807,000 (Nov 2022)
Tax Bill	$11,085 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`375-130-43-00`

Property Details

APN / Parcel Number

Primary APN	`375-130-43-00`
Alternative APN	`3751303400`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,367 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	98,446 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	3751303400
Street Address	12040 ROCOSO RD
City	LAKESIDE
State	CA
Zip	92040-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT P PAR PER ROS 11231 IN TR 001720
Legal Subdivision	EUCALYPTUS HEIGHTS
Legal Tract	001720
Legal Block	1
Legal Lot Number	P
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
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 Individual Names on Record
Mailing Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 28, 2022	Grant Deed, Transfer · VA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Apr 8, 2022	Intrafamily Transfer, Transfer
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 17, 2019	Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE
Apr 2, 2018	Grant Deed, Transfer · VA Mortgage USAA
Apr 2, 2018	Quit Claim Deed, Transfer EQUITY TITLE SD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on Record
Deed Sale	Nov 28, 2022 · Amount on Record
Prior Sale	Dec 17, 2019
Deed Document Number	2022450486
Prior Transfer Date	Oct 7, 1993
Prior Transfer Doc	0000773275
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2026
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000111625
Instrument Date	Apr 17, 2026
Instrument	2026111625
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040

Mortgage

Document Number	0000111625,
Date	Apr 22, 2026
Instrument	2026111625

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2022
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000450486
Map Reference	MAP 1720
Instrument Date	Nov 18, 2022
Instrument	2022-0450486
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040

Mortgage

Document Number	0000450487
Date	Nov 28, 2022
Instrument	2022-0450487

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 8, 2022
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000156073
Map Reference	MAP 1492
Instrument Date	Mar 25, 2022
Instrument	2022-0156073
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	9740 CUYAMACA ST, SANTEE, CA 92071-2678
Mail Care Of	KEUP LIM APC

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10073 RANCHITOS P1, P1, LAKESIDE, CA 92040-2781

Mortgage

Document Number	0000134287
Date	Feb 22, 2021
Instrument	2021-0134287

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 17, 2019
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000589445
Instrument Date	Dec 12, 2019
Instrument	589445
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12040 ROCOSO RD LAKESIDE CA 920401040, LAKESIDE, CA 92040-1040

Mortgage

Document Number	589446
Date	Dec 17, 2019
Instrument	589446

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2018
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000129825
Instrument Date	Feb 22, 2018
Instrument	129825
Transaction Type	Transfer
Record Updated	Apr 6, 2018
Title Company	EQUITY TITLE SD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12040 ROCOSO RD LAKESIDE CA 920401040, LAKESIDE, CA 92040-1040

Mortgage

Document Number	129826
Date	Apr 2, 2018
Instrument	129826

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2018
Property Address	12040 ROCOSO RD, LAKESIDE, CA 92040-1040
Document Number	0000129824
Instrument Date	Jan 5, 2018
Instrument	129824
Transaction Type	Transfer
Record Updated	Apr 6, 2018
Title Company	EQUITY TITLE SD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2476 COWLEY WAY SAN DIEGO CA 921101134, SAN DIEGO, CA 92110-1134

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		$856,393 (+2%) Land $477,543 Building $378,850
2025	$11,085.00 (+1.45%) Homeowner's exemption	$839,602 (+4.04%) Land $468,180 Building $371,422
2024	$10,927.00 (+2.5%)
2023	$10,660.00 (+19.01%)	$807,000 Land $450,000 Building $357,000
2022	$8,957.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1978–2016)
Most Recent Claim	Jan 2016 · rainfall accumulation

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	High above 89% of the US · above 72% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 95 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

Cell Coverage

5G and 4G LTE (outdoors only)

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