13225 Saddle Ridge Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 13225 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	0.78 acres (3,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2018)
Tax Bill	$6,045 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`397-081-28-00`

Property Details

APN / Parcel Number

Primary APN	`397-081-28-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,373 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	3,400 sqft (0.78 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	13225 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 28 TR 007561
Legal Subdivision	LEE MAR ACRES
Legal Tract	007561
Legal Block	1
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	16810

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	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jan 27, 2021	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Sep 28, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Mar 15, 2013 · Amount on Record
Deed Document Number	2018404558
Prior Transfer Date	Nov 12, 2005
Prior Transfer Doc	0001033749
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 22, 2026
Property Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000147965
Instrument Date	May 15, 2026
Instrument	2026147965
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000147965,
Date	May 22, 2026
Instrument	2026147965

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BNT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000062382
Date	Jan 27, 2021
Instrument	2021-0062382

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000495184
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	13225 SADDLE RIDGE RD LAKESIDE CA 920404729, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000495184
Date	Oct 30, 2019
Instrument	495184

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2018
Property Address	13225 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000404558
Instrument Date	Aug 30, 2018
Instrument	404558
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	13225 SADDLE RIDGE RD LAKESIDE CA 920404729, LAKESIDE, CA 92040-4729

Mortgage

Document Number	404559
Date	Sep 28, 2018
Instrument	404559

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

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		$455,128 (+2%) Land $179,370 Building $275,758
2025	$6,045.00 (+6.97%) Homeowner's exemption	$446,204 (+4.04%) Land $175,853 Building $270,351
2023	$5,651.00 (+1.99%) Homeowner's exemption	$428,878 Land $169,025 Building $259,853
2022	$5,541.00

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	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

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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