12740 Laurel St, Unit 414, Lakeside, CA 92040 Property Records

San Diego County property record for 12740 Laurel St, Unit 414, Lakeside, CA 92040

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 891 sqft · built 1990
Lot Size	3.04 acres (132,686 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2019)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`394-480-47-54`

Property Details

APN / Parcel Number

Primary APN	`394-480-47-54`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	891 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, 414
City	LAKESIDE
State	CA
Zip	92040-2117
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US414PER 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

12740 Laurel St, Unit 414 is owned and occupied by an individual who bought it in October 2019.

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12740 LAUREL ST, 414, LAKESIDE, CA 92040-2117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Oct 11, 2019	Grant Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Oct 18, 2005 · Amount on File
Deed Document Number	2019459034
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12740 LAUREL ST UNIT 414, 414, LAKESIDE, CA 92040-2117
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12740 LAUREL ST 414, 414, LAKESIDE, CA 92040-2117

Mortgage

Document Number	0000123123
Date	Feb 17, 2021
Instrument	2021-0123123

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 11, 2019
Property Address	12740 LAUREL ST UNIT 414, 414, LAKESIDE, CA 92040-2117
Document Number	0000459034
Map Reference	MAP 9961
Instrument Date	Sep 3, 2019
Instrument	2019-0459034
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount 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 414, 414, LAKESIDE, CA 92040-2117
Investor	Possibly a Property Investor

Mortgage

Document Number	0000459035
Date	Oct 11, 2019
Instrument	2019-0459035

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Mortgage

Document Number	0000459037
Date	Oct 11, 2019
Instrument	2019-0459037

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12740 Laurel St, Unit 414 was $4,066.

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		$278,875 (+2%) Land $104,856 Building $174,019
2025	$4,066.00	$273,407 Land $102,800 Building $170,607
2023	$3,775.00 (+2.19%)	$262,792 Land $98,809 Building $163,983
2022	$3,694.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12740 Laurel St, Unit 414 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

Wildfire risk around 12740 Laurel St, Unit 414 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.

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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