12778 Vineyard Crest Pl, Lakeside, CA 92040 Property Records

San Diego County property record for 12778 Vineyard Crest Pl, Lakeside, CA 92040

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 3.5 ba · 3,027 sqft · built 2025
Lot Size	1.28 acres (56,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,500,000 (Oct 2025)
Tax Bill	$8,300 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`389-091-24-00`

Property Details

APN / Parcel Number

Primary APN	`389-091-24-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,027 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Lot Area	56,192 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	12778 VINEYARD CREST PL
City	LAKESIDE
State	CA
Zip	92040-1673
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RR
Legal Description	LOT 33 TR 010201
Legal Subdivision	CO SD TR 3702-1
Legal Tract	010201
Legal Block	1
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1033
Census Tract	16902

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	2 Individual Names on Record
Mailing Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040-1673
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Construction Mortgage PUERTO ESCONDIDO LLC
Oct 3, 2025	Grant Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 5, 2019	Loan Modification, Mortgage WESTERN ALLIANCE BK
May 5, 2017	Grant Deed, Construction Loan · Line of Credit WESTERN ALLIANCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Deed Document Number	2025276462
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040-1673
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040-1673

Mortgage

Document Number	0000309752
Date	Nov 3, 2025
Instrument	2025-0309752

Lender

Name	PUERTO ESCONDIDO LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92110

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2025
Property Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040-1673
Document Number	0000276462
Map Reference	MAP 10201
Instrument Date	Oct 1, 2025
Instrument	2025-0276462
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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
Relationship	Community Property with Right of Survivorship
Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040-1673

Mortgage

Document Number	0000276463
Date	Oct 3, 2025
Instrument	2025-0276463

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2019
Property Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040
Instrument Date	Jun 3, 2019
Instrument	217560
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	12864 VINEYARD CREST PL LAKESIDE CA 92040, LAKESIDE, CA 92040

Mortgage

Document Number	0000217560
Date	Jun 5, 2019
Instrument	217560

Lender

Name	WESTERN ALLIANCE BK
Type	Bank
Address	42220 EL CAMINO REAL # 220, SAN DIEGO, CA 92130

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 4, 2020

May 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2017
Property Address	12778 VINEYARD CREST PL, LAKESIDE, CA 92040
Instrument Date	Apr 24, 2017
Instrument	204195
Transaction Type	Construction Loan
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1775 HANCOCK ST #200 SAN DIEGO CA 921102036, 200, SAN DIEGO, CA 92110-2036

Mortgage

Document Number	0000204195
Date	May 5, 2017
Instrument	204195

Lender

Name	WESTERN ALLIANCE BK
Type	Bank
Address	12220 EL CAMINO REAL # 220, SAN DIEGO, CA 92130-2091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,500,000 (+138.8%) Land $750,000 Building $750,000
2025	$8,300.00 (+312.73%)	$628,138 (+430.71%) Land $153,138 Building $475,000
2023	$2,011.00 (+39.36%)	$118,357 Land $118,357
2022	$1,443.00

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.

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	29 (1978–2016)
Claims Outside the SFHA	1 of 29
Most Recent Claim	Mar 2016 · other causes
Claims by Event	Severe Winter Storm, Mud & Land Slides, & Flooding, Feb 1993 · 3 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	Extreme above 97.8% of the US · above 88% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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