12740 Laurel St, Unit 409, Lakeside, CA 92040 Property Records

San Diego County property record for 12740 Laurel St, Unit 409, 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 Individuals on Record
Last Sale	$254,000 (Nov 2019)
Tax Bill	$4,117 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`394-480-47-49`

Property Details

APN / Parcel Number

Primary APN	`394-480-47-49`

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, 409
City	LAKESIDE
State	CA
Zip	92040-2117
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US409PER DOC04-1000547&UND INT IN TR 009961
Legal Subdivision	LAKESIDE #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 Individuals on Record
Mailing Address	9498 ROSEGLEN PL, SPRING VALLEY, CA 91977-2453
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Dec 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCIAL PARTNERS CU
Nov 7, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD
Nov 7, 2019	Grant Deed, Transfer · Conventional Mortgage MISSION FCU
Jul 31, 2017	Grant Deed, Transfer · FHA Mortgage BROADVIEW MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on Record
Deed Sale	Nov 7, 2019 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2019514019
Last Transfer Date	Nov 8, 2019
Transfer Doc	0000579639
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12740 LAUREL ST 409, 409, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000210064
Date	Mar 17, 2021
Instrument	2021-0210064

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2019
Property Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117
Document Number	0000579639
Map Reference	MAP 9961
Instrument Date	Nov 8, 2019
Instrument	2019-0579639
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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
Relationship	Joint Tenants
Address	9498 ROSEGLEN PL, SPRING VALLEY, CA 91977-2453

Mortgage

Document Number	0000582058
Date	Dec 12, 2019
Instrument	2019-0582058

Lender

Name	FINANCIAL PARTNERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 7, 2019
Property Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117
Document Number	0000514018
Instrument Date	Nov 6, 2019
Instrument	514018
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12740 LAUREL ST #409 LAKESIDE CA 920402117, 409, LAKESIDE, CA 92040-2117

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 7, 2019
Property Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117
Document Number	0000514019
Map Reference	MAP 9961
Instrument Date	Oct 24, 2019
Instrument	2019-0514019
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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
Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000514020
Date	Nov 7, 2019
Instrument	2019-0514020

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Margin	2
Max Rate	8.12%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2017
Property Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117
Document Number	0000344968
Map Reference	MAP9961
Instrument Date	Jun 21, 2017
Instrument	2017-0344968
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY OF CA

Transaction

Amount	Amount Recorded
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
Address	12740 LAUREL ST UNIT 409, 409, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000344969
Date	Jul 31, 2017
Instrument	2017-0344969

Lender

Name	BROADVIEW MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Mortgage

Document Number	0000344971
Date	Jul 31, 2017
Instrument	2017-0344971

Lender

Name	BROADVIEW MORTGAGE CORP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Negative Amortization
Amount	Amount Recorded

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		$283,224 (+2%) Land $127,908 Building $155,316
2025	$4,117.00 (+7.69%)	$277,671 (+4.04%) Land $125,400 Building $152,271
2023	$3,823.00 (+2.16%)	$266,891 Land $120,532 Building $146,359
2022	$3,742.00

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

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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