12265 Via Ruscello, Lakeside, CA 92040 Property Records

San Diego County property record for 12265 Via Ruscello, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,604 sqft · built 2022
Lot Size	1.61 acres (70,567 sqft)
Owner	2 Trust Names on File
Last Sale	$953,000 (May 2022)
Tax Bill	$12,436 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jun 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`389-061-01-00`

Property Details

APN / Parcel Number

Primary APN	`389-061-01-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,604 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	70,567 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	12265 VIA RUSCELLO
City	LAKESIDE
State	CA
Zip	92040-1667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 74 TR 010201
Legal Subdivision	SAN DIEGO 3702-1
Legal Tract	010201
Legal Block	1
Legal Lot Number	74
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1030
Census Tract	16902

Owner

12265 Via Ruscello is owner-occupied and held in a trust since March 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	12265 VIA RUSCELLO, LAKESIDE, CA 92040-1667
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 11, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
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	May 11, 2022 · Amount on File
Deed Sale	May 11, 2022 · Amount on File
Deed Document Number	2022204264
Last Transfer Date	Mar 7, 2025
Transfer Doc	0000073985
Record Updated	Sep 20, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2022
Property Address	12265 VIA RUSCELLO, LAKESIDE, CA 92040-1667
Document Number	0000204264
Map Reference	DOC 2009-0154889
Instrument Date	May 3, 2022
Instrument	2022-0204264
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount on Record
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	14358 IPAVA DR, POWAY, CA 92064-3454

Mortgage

Document Number	0000204265
Date	May 11, 2022
Instrument	2022-0204265

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2019
Property Address	12265 VIA RUSCELLO, LAKESIDE, CA 92040-1667
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	12265 VIA RUSCELLO, LAKESIDE, CA 92040-1667
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 12265 Via Ruscello was $12,436.

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		$1,025,675 (+4.44%) Land $378,850 Building $646,825
2025	$12,436.00	$982,030 Land $371,420 Building $610,610
2023	$10,618.00 (+104%) Homeowner's exemption	$850,000 Land $312,000 Building $538,000
2022	$5,205.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12265 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 12265 Via Ruscello is extreme, ranking above 97.7% 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 97.7% of the US · above 87% 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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