San Diego County property record for 12740 Laurel St, Unit 408, Lakeside, CA 92040
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 921 sqft · built 1990 |
| Lot Size | 3.04 acres (132,686 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (May 2026) |
| Tax Bill | $2,026 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 394-480-47-48 |
| Primary APN | 394-480-47-48 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 921 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Condo/Apartment |
| Lot Area | 132,686 sqft |
| Street Address | 12740 LAUREL ST, 408 |
|---|---|
| City | LAKESIDE |
| State | CA |
| Zip | 92040-2117 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RU |
| Legal Description | LOT 1 US408PER 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 |
12740 Laurel St, Unit 408 is owned by an individual who bought it in May 2026.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12740 LAUREL ST, 408, LAKESIDE, CA 92040-2117 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2026 | Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Mar 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on File |
| Deed Sale | May 27, 2026 · Amount on File |
| Prior Sale | Apr 27, 2011 · Amount on File |
| Deed Document Number | 2026150295 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 27, 2026 |
| Property Address | 12740 LAUREL ST, 408, LAKESIDE, CA 92040-2117 |
| Document Number | 0000150295 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026150295 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44,440.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12740 LAUREL ST, 408, LAKESIDE, CA 92040-2117 |
| Document Number | 0000150296, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 2026150296 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 12740 LAUREL ST UNIT 408, 408, LAKESIDE, CA 92040-2117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000077168 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 2019-0077168 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 12740 Laurel St, Unit 408 was $2,026, up 5.9% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $111,129 (+2%) Land $41,810 Building $69,319 | |
| 2025 | $2,026.00 (+5.91%) Homeowner's exemption | $108,951 Land $40,991 Building $67,960 |
| 2024 | $1,913.00 (+4.36%) | |
| 2023 | $1,833.00 (+2.98%) Homeowner's exemption | $104,722 Land $39,400 Building $65,322 |
| 2022 | $1,780.00 |
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.
FEMA maps place 12740 Laurel St, Unit 408 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 risk around 12740 Laurel St, Unit 408 is low, with a 0.04% annual chance of 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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