12144 Via Ruscello, Lakeside, CA 92040 Property Records

San Diego County property record for 12144 Via Ruscello, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,100 sqft · built 2024
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$1,047,000 (Oct 2024)
Tax Bill	$13,196 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`389-062-11-00`

Property Details

APN / Parcel Number

Primary APN	`389-062-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,100 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	43,560 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	12144 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 66 TR 010201
Legal Subdivision	SAN DIEGO 3702-1
Legal Tract	010201
Legal Block	1
Legal Lot Number	66
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1034
Census Tract	16902

Owner

12144 Via Ruscello is owned and occupied by two individuals who bought it in October 2024.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12144 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · 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	Oct 16, 2024 · Amount on File
Deed Sale	Oct 16, 2024 · Amount on File
Deed Document Number	2024278778
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12144 VIA RUSCELLO, LAKESIDE, CA 92040-1666
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12144 VIA RUSCELLO, LAKESIDE, CA 92040-1666

Mortgage

Document Number	0000309597
Date	Nov 3, 2025
Instrument	2025-0309597

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Margin	2
Max Rate	10.5%

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2019
Property Address	12144 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 on Record
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	12144 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 on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12144 Via Ruscello was $13,196.

Source: San Diego County assessment roll, as of July 21, 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		$1,132,200 (+8.14%) Land $484,500 Building $647,700
2025	$13,196.00	$1,047,000 Land $475,000 Building $572,000
2023	$1,270.00 (+78.12%)	$57,600 Land $57,600
2022	$713.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12144 Via Ruscello in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1978.

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 File 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

Wildfire risk around 12144 Via Ruscello is extreme, ranking above 96% of the US, with a 2% annual chance of 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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