13245 Saddle Ridge Rd, Lakeside, CA 92040 Property Records

San Diego County property record for 13245 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	0.87 acres (3,800 sqft)
Owner	Company Name on File
Last Sale	$304,000 (Feb 2004)
Tax Bill	$5,962 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`397-081-37-00`

Property Details

APN / Parcel Number

Primary APN	`397-081-37-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,373 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	3,800 sqft (0.87 acres)
Lot Dimensions	85 ft deep x 29 ft wide
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	13245 SADDLE RIDGE RD
City	LAKESIDE
State	CA
Zip	92040-4702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 37 TR 007561
Legal Subdivision	LEE MAR ACRES
Legal Tract	007561
Legal Block	1
Legal Lot Number	37
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	16810

Owner

13245 Saddle Ridge Rd is owned by a company that acquired it in May 2016.

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

Owner of Record	Company Name on File
Mailing Address	13245 SADDLE RIDGE RD, LAKESIDE, CA 92040-4702
Owner Type	Company

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 10, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Mar 24, 2018	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jul 20, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2004 · Amount on File
Deed Sale	Feb 27, 2004 · Amount on File
Prior Sale	May 1, 2001 · Amount on File
Deed Document Number	2004160190
Last Transfer Date	May 5, 2016
Transfer Doc	0000298076
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13245 SADDLE RIDGE RD, LAKESIDE, CA 92040-4702
Document Number	0000194607
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NEXUS TITLE COMPANY, NEXUS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 SADDLE RIDGE RD LAKESIDE CA 920404702, LAKESIDE, CA 92040-4702

Mortgage

Document Number	0000194607
Date	Apr 16, 2020
Instrument	194607

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13245 SADDLE RIDGE RD, LAKESIDE, CA 92040-4702
Document Number	0000308138
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 SADDLE RIDGE RD LAKESIDE CA 920404702, LAKESIDE, CA 92040-4702

Mortgage

Document Number	0000308138
Date	Jul 29, 2019
Instrument	308138

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13245 SADDLE RIDGE RD, LAKESIDE, CA 92040-4702
Document Number	0000133790
Instrument Date	Mar 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 SADDLE RIDGE RD LAKESIDE CA 920404702, LAKESIDE, CA 92040-4702

Mortgage

Document Number	0000133790
Date	Apr 5, 2018
Instrument	133790

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13245 SADDLE RIDGE RD, LAKESIDE, CA 92040-4702
Document Number	0000434474
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2017
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13245 SADDLE RIDGE RD LAKESIDE CA 920404702, LAKESIDE, CA 92040-4702

Mortgage

Document Number	0000434474
Date	Sep 22, 2017
Instrument	434474

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.37%

Tax Assessment & Valuation

The 2025 property tax bill for 13245 Saddle Ridge Rd was $5,962.

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		$440,849 (+2%) Land $174,017 Building $266,832
2025	$5,962.00	$432,205 Land $170,605 Building $261,600
2023	$5,575.00 (+3.53%)	$415,424 Land $163,981 Building $251,443
2022	$5,385.00

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

Flood

FEMA maps place 13245 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 13245 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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