12242 Higgins Ter, Lakeside, CA 92040 Property Records

San Diego County property record for 12242 Higgins Ter, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1973
Lot Size	0.35 acres (15,255 sqft)
Owner	Company Name on Record
Last Sale	$290,000 (Mar 2001)
Tax Bill	$6,470 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`397-250-37-00`

Property Details

APN / Parcel Number

Primary APN	`397-250-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	15,255 sqft (0.35 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	12242 HIGGINS TER
City	LAKESIDE
State	CA
Zip	92040-4919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT POR TR 000289
Legal Subdivision	EL CAJON VALLEY COS LANDS
Legal Tract	000289
Legal Block	2
Legal Lot Number	129
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	16807

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	12242 HIGGINS TER, LAKESIDE, CA 92040-4919
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 19, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2001 · Amount on Record
Deed Sale	Mar 29, 2001 · Amount on Record
Prior Sale	Jul 27, 1998 · Amount on Record
Deed Document Number	2001185967
Last Transfer Date	Jun 9, 2014
Transfer Doc	0000287607
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12242 HIGGINS TER, LAKESIDE, CA 92040-4919
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12242 HIGGINS TER, LAKESIDE, CA 92040-4919

Mortgage

Document Number	0000595998
Date	Aug 20, 2021
Instrument	2021-0595998

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12242 HIGGINS TER, LAKESIDE, CA 92040-4919
Document Number	0000496768
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12242 HIGGINS TER LAKESIDE CA 920404919, LAKESIDE, CA 92040-4919

Mortgage

Document Number	0000496768
Date	Oct 25, 2017
Instrument	496768

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 24, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$491,704 (+2%) Land $188,871 Building $302,833
2025	$6,470.00 (+6.85%) Homeowner's exemption	$482,064 (+4.04%) Land $185,168 Building $296,896
2023	$6,055.00 (+1.95%) Homeowner's exemption	$463,347 Land $177,979 Building $285,368
2022	$5,939.00

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 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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