12132 Via Ruscello, Lakeside, CA 92040 Property Records

San Diego County property record for 12132 Via Ruscello, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,007 sqft · built 2022
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,007,000 (Jul 2022)
Tax Bill	$14,367 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Mar 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`389-062-12-00`

Property Details

APN / Parcel Number

Primary APN	`389-062-12-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,007 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	43,560 sqft

Location & Zoning

Street Address	12132 VIA RUSCELLO
City	LAKESIDE
State	CA
Zip	92040-1666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 65 TR 010201
Legal Subdivision	SAN DIEGO 3702-1
Legal Tract	010201
Legal Block	1
Legal Lot Number	65
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1034
Census Tract	16902

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	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage JAMES M BUKSA TRUST
Oct 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage DENNIS SPICUZZA
Sep 30, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage CORNERSTONE FIRST MORTGAGE INC
Jul 27, 2022	Grant Deed, Transfer · Conventional Mortgage MISSION FCU
Jun 5, 2019	Loan Modification, Mortgage WESTERN ALLIANCE BK
May 5, 2017	Grant Deed, Construction Loan · Line of Credit WESTERN ALLIANCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2022307648
Last Transfer Date	Sep 25, 2025
Transfer Doc	0000271529
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666

Mortgage

Document Number	0000000019
Date	Jan 2, 2024
Instrument	2024-0000019

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666

Mortgage

Document Number	0000060615
Date	Mar 10, 2025
Instrument	2025-0060615

Lender

Name	JAMES M BUKSA TRUST
Type	Private Party
Address	10111 THREE OAKS WAY, SANTEE, CA 92071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jan 28, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000296986
Date	Oct 29, 2024
Instrument	2024-0296986

Lender

Name	DENNIS SPICUZZA
Type	Private Party
Address	10168 RANCHITOS CT, LAKESIDE, CA 92040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jan 28, 2025

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2025
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Document Number	0000271529
Map Reference	MAP 10201
Instrument Date	Sep 25, 2025
Instrument	2025-0271529
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMER TITLE SAN DIEGO

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	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666

Mortgage

Document Number	0000271530
Date	Sep 30, 2025
Instrument	2025-0271530

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2022
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Document Number	0000307648
Map Reference	MAP 10201
Instrument Date	Jul 21, 2022
Instrument	2022-0307648
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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	12132 VIA RUSCELLO, LAKESIDE, CA 92040

Mortgage

Document Number	0000307649
Date	Jul 27, 2022
Instrument	2022-0307649

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	7.37%

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2019
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Instrument Date	Jun 3, 2019
Instrument	217560
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	12864 VINEYARD CREST PL LAKESIDE CA 92040, LAKESIDE, CA 92040

Mortgage

Document Number	0000217560
Date	Jun 5, 2019
Instrument	217560

Lender

Name	WESTERN ALLIANCE BK
Type	Bank
Address	42220 EL CAMINO REAL # 220, SAN DIEGO, CA 92130

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 4, 2020

May 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2017
Property Address	12132 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Instrument Date	Apr 24, 2017
Instrument	204195
Transaction Type	Construction Loan
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1775 HANCOCK ST #200 SAN DIEGO CA 921102036, 200, SAN DIEGO, CA 92110-2036

Mortgage

Document Number	0000204195
Date	May 5, 2017
Instrument	204195

Lender

Name	WESTERN ALLIANCE BK
Type	Bank
Address	12220 EL CAMINO REAL # 220, SAN DIEGO, CA 92130-2091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,154,676 (+2%) Land $380,973 Building $773,703
2025	$14,367.00 (+24.1%)	$1,132,036 (+23.18%) Land $373,503 Building $758,533
2023	$11,577.00 (+84%)	$919,000 Land $327,000 Building $592,000
2022	$6,292.00

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	29 (1978–2016)
Claims Outside the SFHA	1 of 29
Most Recent Claim	Mar 2016 · other causes
Claims by Event	Severe Winter Storm, Mud & Land Slides, & Flooding, Feb 1993 · 3 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Canyon Wireless Fixed Wireless	70 / 30

May also be available: AT&T, Verizon.

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