12166 Saddle Rock Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 12166 Saddle Rock Rd, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1983
Lot Size	0.355 acres (15,444 sqft)
Owner	Individual Name on Record
Last Sale	$855,000 (Oct 2025)
Tax Bill	$9,538 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`397-020-25-00`

Property Details

APN / Parcel Number

Primary APN	`397-020-25-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,504 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	15,444 sqft (0.355 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12166 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	142
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Grant Deed, Transfer · Conventional Mortgage NAVY FCU
Dec 22, 2022	Intrafamily Transfer, Transfer
Feb 11, 2022	Grant Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 30, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 11, 2018	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Feb 11, 2022 · Amount on Record
Deed Document Number	2025301459
Prior Transfer Date	Dec 20, 2022
Prior Transfer Doc	0000476754
Record Updated	Sep 20, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2025
Property Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000301459
Map Reference	MB 3004 PG 25
Instrument Date	Oct 23, 2025
Instrument	2025-0301459
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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
Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927

Mortgage

Document Number	0000301460
Date	Oct 28, 2025
Instrument	2025-0301460

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 22, 2022
Property Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000476754
Map Reference	MAP 289
Instrument Date	Dec 20, 2022
Instrument	2022-0476754
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 11, 2022
Property Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000065093
Map Reference	MAP 289
Instrument Date	Jan 21, 2022
Instrument	2022-0065093
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	CHICAGO TITLE COMPANY

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	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927

Mortgage

Document Number	0000065094
Date	Feb 11, 2022
Instrument	2022-0065094

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2018
Property Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000358203
Instrument Date	Aug 28, 2018
Instrument	358203
Transaction Type	Transfer
Record Updated	Sep 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12166 SADDLE ROCK RD LAKESIDE CA 920404927, LAKESIDE, CA 92040-4927

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 11, 2018
Property Address	12166 SADDLE ROCK RD, LAKESIDE, CA 92040-4927
Document Number	0000013005
Map Reference	MAP 289
Instrument Date	Dec 26, 2017
Instrument	2018-0013005
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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	Joint Tenants
Address	1614 TINA PL, EL CAJON, CA 92021-2963

Mortgage

Document Number	0000013006
Date	Jan 11, 2018
Instrument	2018-0013006

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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		$855,000 (+7.42%) Land $247,080 Building $607,920
2025	$9,538.00 (+11.4%) Homeowner's exemption	$795,905 (+10.08%) Land $230,003 Building $565,902
2023	$8,562.00 (+47.8%) Homeowner's exemption	$723,000 Land $208,000 Building $515,000
2022	$5,793.00

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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