13221 Saddle Ridge Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 13221 Saddle Ridge Rd, Lakeside, CA 92040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,373 sqft · built 1974
Lot Size	0.122 acres (5,300 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Jan 2013)
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`397-081-26-00`

Property Details

APN / Parcel Number

Primary APN	`397-081-26-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,373 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	5,300 sqft (0.122 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13221 SADDLE RIDGE RD
City	LAKESIDE
State	CA
Zip	92040-4729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 26 TR 007561
Legal Subdivision	LEE MAR ACRES
Legal Tract	007561
Legal Block	1
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	16810

Owner

13221 Saddle Ridge Rd is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Apr 16, 2018	Quit Claim Deed, Transfer WFG TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2013 · Amount on File
Deed Sale	Jan 18, 2013 · Amount on File
Prior Sale	Apr 16, 2012 · Amount on File
Deed Document Number	201340971
Last Transfer Date	Apr 21, 2021
Transfer Doc	0000329432
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 28, 2021
Property Address	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000329432
Map Reference	MAP 7561
Instrument Date	Apr 21, 2021
Instrument	2021-0329432
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS 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	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000329433
Date	Apr 28, 2021
Instrument	2021-0329433

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 29, 2018
Property Address	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000492915
Map Reference	MAP 7561
Instrument Date	Nov 21, 2018
Instrument	2018-0492915
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS 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	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000492916
Date	Nov 29, 2018
Instrument	2018-0492916

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 16, 2018
Property Address	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000149608
Instrument Date	Apr 13, 2018
Instrument	149608
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	WFG TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13221 SADDLE RIDGE RD LAKESIDE CA 920404729, LAKESIDE, CA 92040-4729

Mortgage

Document Number	149609
Date	Apr 16, 2018
Instrument	149609

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 16, 2018
Property Address	13221 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000149607
Instrument Date	Apr 5, 2018
Instrument	149607
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	WFG TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	13221 SADDLE RIDGE RD LAKESIDE CA 920404729, LAKESIDE, CA 92040-4729

Tax Assessment & Valuation

The 2025 property tax bill for 13221 Saddle Ridge Rd was $4,367 with a homeowner's exemption.

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		$311,269 (+2%) Land $148,320 Building $162,949
2025	$4,367.00 Homeowner's exemption	$305,166 Land $145,412 Building $159,754
2023	$4,057.00 (+2.19%) Homeowner's exemption	$293,317 Land $139,766 Building $153,551
2022	$3,970.00

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

Flood

FEMA maps place 13221 Saddle Ridge Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1980.

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	3 in force
Nearby Flood Claims	9 (1980–2026)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Jan 2026 · 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

Wildfire risk around 13221 Saddle Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon, Wyyerd Connect.

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