San Diego County property record for 12126 Saddle Rock Rd, Lakeside, CA 92040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,666 sqft · built 1965 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | Company Name on File |
| Last Sale | $470,000 (Aug 2004) |
| Tax Bill | $7,862 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 397-010-51-00 |
| Primary APN | 397-010-51-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,666 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 29,185 sqft (0.67 acres) |
| Lot Dimensions | 306 ft deep x 94 ft wide |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 12126 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 |
12126 Saddle Rock Rd is owned by a company that acquired it in March 2016 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 12126 SADDLE ROCK RD, LAKESIDE, CA 92040-4927 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2004 · Amount on File |
| Deed Sale | Aug 31, 2004 · Amount on File |
| Prior Sale | Oct 2, 1991 · Amount on File |
| Deed Document Number | 2004830350 |
| Last Transfer Date | Mar 31, 2016 |
| Transfer Doc | 0000148234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12126 SADDLE ROCK RD, LAKESIDE, CA 92040-4927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000065878 |
|---|---|
| Date | Feb 10, 2020 |
| Instrument | 2020-0065878 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2045 |
The 2025 property tax bill for 12126 Saddle Rock Rd was $7,862 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $668,183 (+2%) Land $298,550 Building $369,633 | |
| 2025 | $7,862.00 Homeowner's exemption | $655,083 Land $292,697 Building $362,386 |
| 2023 | $7,464.00 (+1.56%) Homeowner's exemption | $629,647 Land $281,332 Building $348,315 |
| 2022 | $7,349.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12126 Saddle Rock Rd in Zone X, an area of minimal flood risk.
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 risk around 12126 Saddle Rock Rd is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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