9514 Coolwater Way, Santee, CA 92071 Property Records

San Diego County property record for 9514 Coolwater Way, Santee, CA 92071

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,558 sqft · built 2017
Lot Size	0.151 acres (6,619 sqft)
Owner	Trust Name on File
Last Sale	$761,500 (Nov 2017)
Tax Bill	$10,230 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`381-651-03-00`

Property Details

APN / Parcel Number

Primary APN	`381-651-03-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,558 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	6,619 sqft (0.151 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9514 COOLWATER WAY
City	SANTEE
State	CA
Zip	92071-2596
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 3 TR 016191
Legal Subdivision	SANTEE #2015-02
Legal Tract	016191
Legal Block	3
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3009
Census Tract	16607

Owner

9514 Coolwater Way is owner-occupied and held in a trust since November 2017.

Source: San Diego County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit UNCLE CU
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 9, 2017	Grant Deed, Transfer · Conventional Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Deed Document Number	2017526042
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596

Mortgage

Document Number	0000299429
Date	Oct 24, 2025
Instrument	2025-0299429

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596

Mortgage

Document Number	0000401355
Date	May 27, 2021
Instrument	2021-0401355

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	322 Months
Due	Mar 1, 2048

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2017
Property Address	9514 COOLWATER WAY, SANTEE, CA 92071-2596
Document Number	0000526042
Instrument Date	Sep 29, 2017
Instrument	526042
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	FNTG BUILDER SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$837.65
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9514 COOLWATER WAY SANTEE CA 920712596, SANTEE, CA 92071-2596

Mortgage

Document Number	526043
Date	Nov 9, 2017
Instrument	526043

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9514 Coolwater Way was $10,230 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 21, 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		$883,536 (+2%) Land $429,413 Building $454,123
2025	$10,230.00 Homeowner's exemption	$866,213 Land $420,994 Building $445,219
2023	$9,805.00 (+0.7%) Homeowner's exemption	$832,580 Land $404,648 Building $427,932
2022	$9,737.00

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

Flood

FEMA maps place 9514 Coolwater Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 9514 Coolwater Way 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 98% of the US · lower than 98.4% 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 654 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon.

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