San Diego County property record for 405 Whispering Willow Dr, Unit A, Santee, CA 92071 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 984 sqft · built 1996 |
| Lot Size | 6.16 acres (268,537 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $590,000 (Sep 2023) |
| Tax Bill | $7,497 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 381-681-13-25 |
| Primary APN | 381-681-13-25 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 984 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Condo/Apartment |
| Lot Area | 268,537 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 405 WHISPERING WILLOW DR, A |
|---|---|
| City | SANTEE |
| State | CA |
| Zip | 92071-6927 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOT 96 US 25PER DOC95-486497&UND INT IN TR 013101 |
| Legal Subdivision | CITY/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 381-681-13-25
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 405 WHISPERING WILLOW DR, A, SANTEE, CA 92071-6927 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 22, 2023 | Grant Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Aug 12, 2020 | Intrafamily Transfer, Transfer · VA Mortgage POINT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on Record |
| Deed Sale | Sep 22, 2023 · Amount on Record |
| Prior Sale | Aug 12, 2020 |
| Deed Document Number | 2023258393 |
| Prior Transfer Date | Aug 06, 2020 |
| Prior Transfer Doc | 0000451332 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 21, 2026 |
| Property Address | 405 WHISPERING WILLOW DR, SANTEE, CA 92071-6927 |
| Document Number | 0000111092 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026111092 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 405 WHISPERING WILLOW DR, SANTEE, CA 92071-6927 |
| Document Number | 0000111092, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 2026111092 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | May 01, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 22, 2023 |
| Property Address | 405 WHISPERING WILLOW DR UNIT A, A, SANTEE, CA 92071-6927 |
| Document Number | 0000258393 |
| Map Reference | MAP 13101 |
| Instrument Date | Sep 08, 2023 |
| Instrument | 2023-0258393 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2023 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 WHISPERING WILLOW DR UNIT A, A, SANTEE, CA 92071-6927 |
| Document Number | 0000258394 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 2023-0258394 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 12, 2020 |
| Property Address | 405 WHISPERING WILLOW DR UNIT A, A, SANTEE, CA 92071-6927 |
| Document Number | 0000451332 |
| Map Reference | MAP 13101 |
| Instrument Date | Aug 06, 2020 |
| Instrument | 2020-0451332 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | TICOR TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 WHISPERING WILLOW DR, SANTEE, CA 92071-6927 |
| Document Number | 0000451333 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 2020-0451333 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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 | $613,834 (+2%) Land $210,026 Building $403,808 | |
| 2025 | $7,497.00 (+1.08%) | $601,799 (+55.02%) Land $205,908 Building $395,891 |
| 2024 | $7,417.00 (+51.52%) | |
| 2023 | $4,895.00 (+0.74%) Homeowner's exemption | $388,196 Land $132,823 Building $255,373 |
| 2022 | $4,859.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730166141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 632 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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