12165 Winter Gardens Dr, Lakeside, CA 92040 Property Records

San Diego County property record for 12165 Winter Gardens Dr, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,304 sqft · built 2006
Lot Size	0.332 acres (14,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jul 2017)
Tax Bill	$8,048 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400-321-29-00`

Property Details

APN / Parcel Number

Primary APN	`400-321-29-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,304 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	14,449 sqft (0.332 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12165 WINTER GARDENS DR
City	LAKESIDE
State	CA
Zip	92040-5427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAR 2 TR PM07845
Legal Subdivision	EL CAJON VALLEY COMPANYS LANDS
Legal Tract	7845
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	16806

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	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 21, 2021	Grant Deed, Transfer · Conventional Mortgage RATE RABBIT INC
Jul 3, 2017	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Prior Sale	May 30, 2006 · Amount on Record
Deed Document Number	2017300854
Last Transfer Date	Jul 6, 2021
Transfer Doc	0000521038
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427

Mortgage

Document Number	0000006379
Date	Jan 10, 2024
Instrument	2024-0006379

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 21, 2021
Property Address	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427
Document Number	0000521038
Instrument Date	Jul 6, 2021
Instrument	2021-0521038
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427

Mortgage

Document Number	0000521039
Date	Jul 21, 2021
Instrument	2021-0521039

Lender

Name	RATE RABBIT INC
Type	Non-Lending Institution

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 3, 2017
Property Address	12165 WINTER GARDENS DR, LAKESIDE, CA 92040-5427
Document Number	0000300854
Instrument Date	Jun 9, 2017
Instrument	300854
Transaction Type	Transfer
Record Updated	Jul 10, 2017
Title Company	TITLE 365

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12165 WINTER GARDENS DR LAKESIDE CA 920405427, LAKESIDE, CA 92040-5427

Mortgage

Document Number	300855
Date	Jul 3, 2017
Instrument	300855

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 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		$626,708 (+2%) Land $76,654 Building $550,054
2025	$8,048.00 (+6.55%) Homeowner's exemption	$614,420 (+4.04%) Land $75,151 Building $539,269
2023	$7,553.00 (+1.86%) Homeowner's exemption	$590,564 Land $72,234 Building $518,330
2022	$7,415.00

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	2 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 99.8% of the US · lower than 99.8% 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 624 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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