12514 Ridgeton Dr, Lakeside, CA 92040 Property Records

San Diego County property record for 12514 Ridgeton Dr, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,841 sqft · built 1978
Lot Size	0.343 acres (14,925 sqft)
Owner	2 Individual Names on Record
Last Sale	$969,000 (Sep 2025)
Tax Bill	$5,491 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`397-352-04-00`

Property Details

APN / Parcel Number

Primary APN	`397-352-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,841 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	14,925 sqft (0.343 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12514 RIDGETON DR
City	LAKESIDE
State	CA
Zip	92040-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 22 TR 008198
Legal Subdivision	LOS COCHES ESTATES
Legal Tract	008198
Legal Block	3
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
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	2 Individual Names on Record
Mailing Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2024	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Sep 23, 2025	Grant Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Jul 31, 2001 · Amount on Record
Deed Document Number	2025264547
Prior Transfer Date	Jul 16, 2024
Prior Transfer Doc	0000187077
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025

Mortgage

Document Number	0000285676
Date	Oct 22, 2024
Instrument	2024-0285676

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 23, 2025
Property Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025
Document Number	0000264547
Map Reference	MAP 8198
Instrument Date	Aug 25, 2025
Instrument	2025-0264547
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	HOMELIGHT 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	Community Property with Right of Survivorship
Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025

Mortgage

Document Number	0000264548
Date	Sep 23, 2025
Instrument	2025-0264548

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12514 RIDGETON DR, LAKESIDE, CA 92040-5025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000191083
Date	Apr 15, 2020
Instrument	2020-0191083

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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		$969,000 (+142.47%) Land $431,311 Building $537,689
2025	$5,491.00 (+7.14%) Homeowner's exemption	$399,630 (+4.04%) Land $177,879 Building $221,751
2023	$5,125.00 (+2.05%) Homeowner's exemption	$384,114 Land $170,973 Building $213,141
2022	$5,022.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	3 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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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