12740 Laurel St, Unit 405, Lakeside, CA 92040 Property Records

San Diego County property record for 12740 Laurel St, Unit 405, Lakeside, CA 92040

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 921 sqft · built 1990
Lot Size	3.04 acres (132,686 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2023)
Tax Bill	$6,137 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`394-480-47-45`

Property Details

APN / Parcel Number

Primary APN	`394-480-47-45`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	921 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Lot Area	132,686 sqft

Location & Zoning

Street Address	12740 LAUREL ST, 405
City	LAKESIDE
State	CA
Zip	92040-2117
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US405PER DOC04-1000547&UND INT IN TR 009961
Legal Subdivision	SAN DIEGO #3954
Legal Tract	009961
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	16804

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	12740 LAUREL ST, 405, LAKESIDE, CA 92040-2117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 16, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jul 11, 2018	Grant Deed, Transfer · FHA Mortgage ISERVE RESID'L LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Prior Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	2023105111
Prior Transfer Date	Dec 1, 2009
Prior Transfer Doc	0000721197
Record Updated	Sep 20, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 21, 2023
Property Address	12740 LAUREL ST UNIT 405, 405, LAKESIDE, CA 92040-2117
Document Number	0000105111
Map Reference	MAP 9961
Instrument Date	Apr 10, 2023
Instrument	2023-0105111
Transaction Type	Transfer
Record Updated	May 2, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	12740 LAUREL ST UNIT 405, 405, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000105112
Date	Apr 21, 2023
Instrument	2023-0105112

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2020
Property Address	12740 LAUREL ST UNIT 405, 405, LAKESIDE, CA 92040-2117
Document Number	0000310823
Instrument Date	Apr 16, 2020
Instrument	310823
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12740 LAUREL ST #405 LAKESIDE CA 920402117, 405, LAKESIDE, CA 92040-2117

Mortgage

Document Number	310824
Date	Jun 16, 2020
Instrument	310824

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 11, 2018
Property Address	12740 LAUREL ST UNIT 405, 405, LAKESIDE, CA 92040-2117
Document Number	0000282517
Instrument Date	Jun 15, 2018
Instrument	282517
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	WFG NATIONAL TITLE COMPANY/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12740 LAUREL ST #405 LAKESIDE CA 920402117, 405, LAKESIDE, CA 92040-2117

Mortgage

Document Number	282518
Date	Jul 11, 2018
Instrument	282518

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92128

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

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		$456,316 (+2%) Land $241,578 Building $214,738
2025	$6,137.00 (+57.4%)	$447,370 (+63.69%) Land $236,842 Building $210,528
2023	$3,899.00 (+2.18%)	$273,304 Land $144,690 Building $128,614
2022	$3,816.00

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	2 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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 USA, Verizon, Wyyerd Group.

Nearby Properties on Laurel St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures