12278 Winter Gardens Dr, Lakeside, CA 92040 Property Records

San Diego County property record for 12278 Winter Gardens Dr, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,288 sqft · built 1966
Lot Size	0.354 acres (15,421 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (Jul 2020)
Tax Bill	$8,739 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400-230-59-00`

Property Details

APN / Parcel Number

Primary APN	`400-230-59-00`
Alternative APN	`4002302800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,288 sqft Living Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	15,421 sqft (0.354 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	4002302800
Street Address	12278 WINTER GARDENS DR
City	LAKESIDE
State	CA
Zip	92040-5440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	UNMBD LOT (EX RS 1405)DOC166062REC71 IN TR 000289
Legal Subdivision	EL CAJON VALLEY COS LANDS
Legal Tract	000289
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	16806

Owner

12278 Winter Gardens Dr is owned and occupied by an individual who acquired it in May 2021.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	12278 WINTER GARDENS DR, LAKESIDE, CA 92040-5440
Occupancy	Owner Occupied
Owner Type	Individual

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 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2020	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jul 15, 2020	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Deed Document Number	2020380564
Last Transfer Date	May 12, 2021
Transfer Doc	0000382596
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2021
Property Address	12278 WINTER GARDENS DR, LAKESIDE, CA 92040-5440
Document Number	0000382596
Map Reference	MAP 289
Instrument Date	May 12, 2021
Instrument	2021-0382596
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	12278 WINTER GARDENS DR, LAKESIDE, CA 92040-5440

Mortgage

Document Number	0000382597
Date	May 19, 2021
Instrument	2021-0382597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2020
Property Address	12278 WINTER GARDENS DR, LAKESIDE, CA 92040-5440
Document Number	0000380563
Instrument Date	Jun 9, 2020
Instrument	380563
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12278 WINTER GARDENS DR LAKESIDE CA 920405440, LAKESIDE, CA 92040-5440

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2020
Property Address	12278 WINTER GARDENS DR, LAKESIDE, CA 92040-5440
Document Number	0000380564
Instrument Date	May 28, 2020
Instrument	380564
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$677.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12278 WINTER GARDENS DR LAKESIDE CA 920405440, LAKESIDE, CA 92040-5440

Mortgage

Document Number	380565
Date	Jul 15, 2020
Instrument	380565

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12278 Winter Gardens Dr was $8,739.

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		$679,007 (+2%) Land $331,223 Building $347,784
2025	$8,739.00	$665,694 Land $324,729 Building $340,965
2023	$8,213.00 (+1.81%)	$639,846 Land $312,120 Building $327,726
2022	$8,067.00

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

Flood

FEMA maps place 12278 Winter Gardens Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12278 Winter Gardens Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

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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