12120 Saddle Rock Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 12120 Saddle Rock Rd, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,076 sqft · built 1975
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$567,500 (Sep 2019)
Tax Bill	$7,986 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`397-010-50-00`

Property Details

APN / Parcel Number

Primary APN	`397-010-50-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,076 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12120 SADDLE ROCK RD
City	LAKESIDE
State	CA
Zip	92040-4927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT POR TR 000289
Legal Subdivision	EL CAJON VALLEY COS LANDS
Legal Tract	000289
Legal Block	2
Legal Lot Number	121
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	16807

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Mar 20, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage NQM FUNDING LLC
Sep 10, 2019	Quit Claim Deed, Transfer OCMBC INC
Sep 10, 2019	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
May 15, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2019 · Amount on Record
Deed Sale	Sep 10, 2019 · Amount on Record
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	2019392747
Last Transfer Date	Mar 16, 2026
Transfer Doc	0000077039
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Investor	Possibly a Property Investor

Mortgage

Document Number	0000646839
Date	Sep 13, 2021
Instrument	2021-0646839

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

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

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 20, 2026
Property Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000077039
Map Reference	MAP 289
Instrument Date	Mar 16, 2026
Instrument	2026-0077039
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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
Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927

Mortgage

Document Number	0000077040
Date	Mar 20, 2026
Instrument	2026-0077040

Lender

Name	NQM FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2019
Property Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000392748
Instrument Date	Aug 12, 2019
Instrument	392748
Transaction Type	Transfer
Record Updated	Jun 1, 2020
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	12120 SADDLE ROCK RD LAKESIDE CA 920404927, LAKESIDE, CA 92040-4927

Mortgage

Document Number	392749
Date	Sep 10, 2019
Instrument	392749

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2019
Property Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000392747
Instrument Date	Jul 31, 2019
Instrument	392747
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12120 SADDLE ROCK RD LAKESIDE CA 920404927, LAKESIDE, CA 92040-4927

Mortgage

Document Number	392749
Date	Sep 10, 2019
Instrument	392749

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2017
Property Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000217535
Map Reference	MAP289
Instrument Date	May 8, 2017
Instrument	2017-0217535
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12120 SADDLE ROCK RD, LAKESIDE, CA 92040-4927

Mortgage

Document Number	0000217536
Date	May 15, 2017
Instrument	2017-0217536

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$671,694 (+2%) Land $250,672 Building $421,022
2025	$7,986.00 (+1.58%)	$658,524 (+4.04%) Land $245,757 Building $412,767
2024	$7,862.00 (+3.65%)
2023	$7,585.00 (+1.54%)	$632,955 Land $236,215 Building $396,740
2022	$7,470.00

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	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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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