13227 Saddle Ridge Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 13227 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	0.76 acres (3,300 sqft)
Owner	2 Company Names on Record
Last Sale	$585,000 (Jul 2021)
Tax Bill	$8,124 (2025)
Deeds & Mortgages	Nov 2025 Transfer Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`397-081-29-00`

Property Details

APN / Parcel Number

Primary APN	`397-081-29-00`

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	3,300 sqft (0.76 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	13227 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 29 TR 007561
Legal Subdivision	LEE MAR ACRES
Legal Tract	007561
Legal Block	1
Legal Lot Number	29
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Intrafamily Transfer, Transfer
Jul 14, 2021	Grant Deed, Transfer · FHA Mortgage POINT MORTGAGE CORP
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	2021504648
Last Transfer Date	Sep 16, 2025
Transfer Doc	0000310946
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2025
Property Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000310946
Map Reference	MAP 7561
Instrument Date	Sep 16, 2025
Instrument	2025-0310946
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2021
Property Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000504648
Map Reference	MAP 7561
Instrument Date	Jun 29, 2021
Instrument	2021-0504648
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000504649
Date	Jul 14, 2021
Instrument	2021-0504649

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000521516
Date	Sep 8, 2020
Instrument	2020-0521516

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13227 SADDLE RIDGE RD, LAKESIDE, CA 92040-4729
Document Number	0000430118
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13227 SADDLE RIDGE RD LAKESIDE CA 920404729, LAKESIDE, CA 92040-4729

Mortgage

Document Number	0000430118
Date	Sep 27, 2019
Instrument	430118

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

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		$633,219 (+2%) Land $342,408 Building $290,811
2025	$8,124.00 (+6.54%) Homeowner's exemption	$620,804 (+4.04%) Land $335,695 Building $285,109
2023	$7,625.00 (+1.86%) Homeowner's exemption	$596,699 Land $322,660 Building $274,039
2022	$7,486.00

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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