12740 Laurel St, Unit 413, Lakeside, CA 92040 Property Records

San Diego County property record for 12740 Laurel St, Unit 413, 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	Individual Name on Record
Last Sale	$232,500 (May 2017)
Tax Bill	$3,941 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`394-480-47-53`

Property Details

APN / Parcel Number

Primary APN	`394-480-47-53`

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, 413
City	LAKESIDE
State	CA
Zip	92040-2117
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US413PER 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 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	Individual Name on Record
Mailing Address	12740 LAUREL ST, 413, LAKESIDE, CA 92040-2117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 19, 2017	Grant Deed, Transfer · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2017 · Amount on Record
Deed Sale	May 19, 2017 · Amount on Record
Prior Sale	Oct 20, 2009 · Amount on Record
Deed Document Number	2017226824
Prior Transfer Date	Sep 12, 2005
Prior Transfer Doc	0000818893
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12740 LAUREL ST UNIT 413, 413, LAKESIDE, CA 92040-2117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12740 LAUREL ST 413, 413, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000716627
Date	Nov 16, 2020
Instrument	2020-0716627

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12740 LAUREL ST UNIT 413, 413, LAKESIDE, CA 92040-2117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103435
Date	Feb 28, 2020
Instrument	2020-0103435

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2017
Property Address	12740 LAUREL ST UNIT 413, 413, LAKESIDE, CA 92040-2117
Document Number	0000226824
Instrument Date	May 12, 2017
Instrument	226824
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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 #413 LAKESIDE CA 920402117, 413, LAKESIDE, CA 92040-2117

Mortgage

Document Number	226825
Date	May 19, 2017
Instrument	226825

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2047

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		$275,225 (+2%) Land $100,619 Building $174,606
2025	$3,941.00 (+7.91%) Homeowner's exemption	$269,830 (+4.04%) Land $98,647 Building $171,183
2023	$3,652.00 (+2.24%) Homeowner's exemption	$259,354 Land $94,817 Building $164,537
2022	$3,572.00

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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