12741 Laurel St, Unit 77, Lakeside, CA 92040 Property Records

San Diego County property record for 12741 Laurel St, Unit 77, Lakeside, CA 92040

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,618 sqft · built 1984
Lot Size	4.54 acres (197,880 sqft)
Owner	Individual Name on Record
Tax Bill	$7,491 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`394-560-08-77`

Property Details

APN / Parcel Number

Primary APN	`394-560-08-77`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,618 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Lot Area	197,880 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	12741 LAUREL ST, 77
City	LAKESIDE
State	CA
Zip	92040-2137
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RU
Legal Description	LOT 1 US 77PER DOC83-151279&UND INT IN TR 009443
Legal Subdivision	LAKESIDE 3812
Legal Tract	009443
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	16804

Owner

Source: San Diego County records, as of July 22, 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	12741 LAUREL ST, 77, LAKESIDE, CA 92040-2137
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 15, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
May 19, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA COAST CU
May 18, 2017	Deed of Trust, Mortgage BANKERS INS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023
Deed Sale	Sep 5, 2023
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	2023240840
Record Updated	Sep 20, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 5, 2023
Property Address	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137
Document Number	0000240840
Map Reference	MAP 9443
Instrument Date	Sep 5, 2023
Instrument	2023-0240840
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137

Mortgage

Document Number	0000240841
Date	Sep 5, 2023
Instrument	2023-0240841

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12741 77 LAUREL ST, 77, LAKESIDE, CA 92040-2137

Mortgage

Document Number	0000196700
Date	Mar 15, 2021
Instrument	2021-0196700

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000254032
Date	May 19, 2020
Instrument	2020-0254032

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137
Document Number	0000381889
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12741 LAUREL ST #77 LAKESIDE CA 920402137, 77, LAKESIDE, CA 92040-2137

Mortgage

Document Number	0000381889
Date	Sep 13, 2018
Instrument	381889

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 12, 2043

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12741 LAUREL ST UNIT 77, 77, LAKESIDE, CA 92040-2137
Document Number	0000229090
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12741 LAUREL ST #77 LAKESIDE CA 920402137, 77, LAKESIDE, CA 92040-2137

Mortgage

Document Number	0000229090
Date	May 22, 2017
Instrument	229090

Lender

Name	BANKERS INS
Address	11101 ROOSEVELT BLVD N, ST PETERSBURG, FL 33716-2340

Agreement

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		$572,218 (+2%) Land $204,363 Building $367,855
2025	$7,491.00 (+72.17%)	$560,999 (+76.09%) Land $200,356 Building $360,643
2023	$4,351.00 (+2.14%) Homeowner's exemption	$318,588 Land $113,781 Building $204,807
2022	$4,260.00

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	1 in force
Nearby Flood Claims	2 (1979–1980)
Most Recent Claim	Feb 1980 · rainfall accumulation

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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