San Diego County property record for 345 Whispering Willow Dr, Unit B, Santee, CA 92071
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,392 sqft · built 1995 |
| Lot Size | 6.16 acres (268,537 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $460,000 (May 2019) |
| Tax Bill | $6,458 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 381-681-13-23 |
| Primary APN | 381-681-13-23 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,392 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Lot Area | 268,537 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 345 WHISPERING WILLOW DR, B |
|---|---|
| City | SANTEE |
| State | CA |
| Zip | 92071-6926 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R7 |
| Legal Description | LOT 96 US 23PER DOC95-486497&UND INT IN TR 013101 |
| Legal Subdivision | SANTEE #89-06 UN # 1 |
| Legal Tract | 013101 |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 16614 |
Source: San Diego County records · APN 381-681-13-23
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 345 WHISPERING WILLOW DR, B, SANTEE, CA 92071-6926 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Sep 21, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Nov 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU |
| May 25, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 17, 2019 | Grant Deed, Subdivision Related Transfer · Conventional with PMI NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2019 · Amount on Record |
| Deed Sale | May 17, 2019 · Amount on Record |
| Prior Sale | Jul 01, 2016 · Amount on Record |
| Deed Document Number | 2019187198 |
| Last Transfer Date | Sep 12, 2024 |
| Transfer Doc | 0000260703 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2023 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 345 WHISPERING WILLOW DR B, B, SANTEE, CA 92071-6926 |
| Document Number | 0000535274 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021-0535274 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 31, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2023 |
| Name | Verified Name |
|---|---|
| Address | 345 WHISPERING WILLOW DR, SANTEE, CA 92071-6926 |
| Document Number | 0000371365 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 2022-0371365 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|
| Document Number | 0000547841 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 2019-0547841 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 25, 2021 |
| Property Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Document Number | 0000394911 |
| Map Reference | MAP 13101 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021-0394911 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Document Number | 0000394912 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 2021-0394912 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 17, 2019 |
| Property Address | 345 WHISPERING WILLOW DR UNIT B, B, SANTEE, CA 92071-6926 |
| Document Number | 0000187198 |
| Instrument Date | May 10, 2019 |
| Instrument | 187198 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 28, 2019 |
| Title Company | TITLE 365 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $506.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 345 WHISPERING WILLOW DR #B SANTEE CA 920716926, B, SANTEE, CA 92071-6926 |
| Document Number | 187199 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 187199 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Santee City |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Elementary School District | Santee School District (KG - 08) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $523,395 (+2%) Land $135,061 Building $388,334 | |
| 2025 | $6,458.00 (+4.09%) | $513,133 (+4.04%) Land $132,413 Building $380,720 |
| 2023 | $6,204.00 (+0.68%) | $493,209 Land $127,272 Building $365,937 |
| 2022 | $6,162.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 10 policies |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Based on FCC filings for 632 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PADRE DAM MWD serves 93,980 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2022 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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