435 Whispering Willow Dr, Unit F, Santee, CA 92071 Property Records

San Diego County property record for 435 Whispering Willow Dr, Unit F, Santee, CA 92071

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 984 sqft · built 1997
Lot Size	6.16 acres (268,537 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Mar 2019)
Tax Bill	$5,684 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`381-681-13-90`

Property Details

APN / Parcel Number

Primary APN	`381-681-13-90`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	984 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Lot Area	268,537 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	435 WHISPERING WILLOW DR, F
City	SANTEE
State	CA
Zip	92071-6934
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R7
Legal Description	LOT 96 US 90PER DOC95-486497&UND INT IN TR 013101
Legal Subdivision	89-06
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

Owner

435 Whispering Willow Dr, Unit F is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 712512, SANTEE, CA 92072-2512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2019 · Amount on File
Deed Sale	Mar 12, 2019 · Amount on File
Prior Sale	Aug 26, 1996 · Amount on File
Deed Document Number	201988509
Prior Transfer Date	Mar 30, 1998
Prior Transfer Doc	0000207676
Record Updated	Oct 29, 2026

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2019
Property Address	435 WHISPERING WILLOW DR UNIT F, F, SANTEE, CA 92071-6934
Document Number	0000088509
Map Reference	MAP 13101
Instrument Date	Feb 14, 2019
Instrument	2019-0088509
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
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	435 WHISPERING WILLOW DR UNIT F, F, SANTEE, CA 92071-6934

Mortgage

Document Number	0000088510
Date	Mar 12, 2019
Instrument	2019-0088510

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 435 Whispering Willow Dr, Unit F was $5,684 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$463,091 (+2%) Land $158,360 Building $304,731
2025	$5,684.00 Homeowner's exemption	$454,011 Land $155,255 Building $298,756
2023	$5,458.00 (+0.72%) Homeowner's exemption	$436,383 Land $149,227 Building $287,156
2022	$5,419.00

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

Flood

FEMA maps place 435 Whispering Willow Dr, Unit F in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force

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 435 Whispering Willow Dr, Unit F is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 632 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20