12645 Laurel St, Lakeside, CA 92040 Property Records

San Diego County property record for 12645 Laurel St, Lakeside, CA 92040

Property Summary

Property Type	Multi-Family Dwellings
Details	20 bd · 20 ba · 4,180 sqft · built 1984
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on Record
Last Sale	$675,500 (Aug 2014)
Tax Bill	$35,216 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`394-063-07-00`

Property Details

APN / Parcel Number

Primary APN	`394-063-07-00`

Interior

Bedrooms	20 Beds
Full Baths	20 Baths
Units	14 Units
Building Area	4,180 sqft Living Area
Gross Area	14,180 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Multi-Family
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	12645 LAUREL ST
City	LAKESIDE
State	CA
Zip	92040-2126
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RU
Legal Description	LOT 49 N 1/2 OF WLY 87.12 FT OF ELY 174.24 FT TR 000353
Legal Subdivision	LAKESIDE
Legal Tract	000353
Legal Block	3
Legal Lot Number	49
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	16804

Owner

Source: San Diego County records, as of August 31, 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	3955 TAMBOR RD, SAN DIEGO, CA 92124-3407
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Commercial Mortgage MISSION FCU
Jul 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage MISSION FCU
Aug 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2014 · Amount on Record
Deed Sale	Aug 7, 2014 · Amount on Record
Prior Sale	Jun 29, 2007 · Amount on Record
Deed Document Number	2014338741
Prior Transfer Date	Dec 23, 2002
Prior Transfer Doc	0000735419
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12645 LAUREL ST, LAKESIDE, CA 92040-2126
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 TAMBOR RD, SAN DIEGO, CA 92124-3407

Mortgage

Document Number	0000342522
Date	Dec 4, 2025
Instrument	2025-0342522

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12645 LAUREL ST, LAKESIDE, CA 92040-2126
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE GLENDALE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279042
Date	Jul 9, 2018
Instrument	2018-0279042

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12645 LAUREL ST, LAKESIDE, CA 92040-2126
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000365368
Date	Aug 27, 2019
Instrument	2019-0365368

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$2,243,364 (+2%) Land $735,528 Building $1,507,836
2025	$35,216.00 (+8.5%)	$2,199,377 (+4.04%) Land $721,106 Building $1,478,271
2023	$32,457.00 (+2.44%)	$2,113,974 Land $693,105 Building $1,420,869
2022	$31,685.00

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
Nearby Flood Claims	2 (1979–1980)
Most Recent Claim	Feb 1980 · rainfall accumulation

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 94% of the US · lower than 96% of California
Wildfire Likelihood	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 395 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, Wyyerd Connect.

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