Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$774,080$711 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $640,000 on Dec 15, 2021

12107 SADDLE ROCK RD

LAKESIDE, CA 92040
2
Beds
1
Baths
1,089 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$774K
$745K low$804K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$640,000 · Dec 15, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$166,080
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$132,864
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.76%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$608,000
UNITED WHOLESALE MORTGAGE · recorded Dec 15, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,233 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$692,753 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$256,667
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$436,086
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$679,171

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
78
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
19
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
87
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountySAN DIEGO
Lot (acres)The size of the land the home sits on, from county records.0.35
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Wall Unit
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(11)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lemon Crest Elementary SchoolD+
Elementary · Grades KG–5 · 0.9 mi
M
Lakeside Middle SchoolC+
Middle · Grades 6–8 · 1.0 mi
H
El Capitan High SchoolB
High · Grades 9–12 · 1.9 mi

District: Grossmont Union High School District

Neighborhood · ZIP 92040These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.79
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.171

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.44,462
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.573 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,021
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,613
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.18 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12107 Saddle Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 98% of homes in Lakeside 92040
  • Smaller than 84% of homes in Lakeside 92040
  • Has a smaller lot than 66% of homes in Winter Gardens
  • Older than 88% of homes in San Diego County

What homes are worth in Lakeside 92040

Each bar is how many homes fall in that price range. The marker is this home.

This home
$334K$1.3M

This home is worth more than 52% of homes in Lakeside 92040.

How it measures up in Lakeside 92040

The dot is this home. The mark in the middle is the typical home in Lakeside 92040.

Estimated value$774,080
CheaperTypical $766,961Pricier

Pricier than 52% of homes nearby

Price per ft²$711
CheaperTypical $478Pricier

Pricier than 98% of homes nearby

Living area1,089 ft²
SmallerTypical 1,544 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.35 ac
SmallerTypical 0.5 acBigger

Bigger than 39% of homes nearby

Year built1958
OlderTypical 1977Newer

Newer than 14% of homes nearby

How 12107 Saddle Rock Rd ranks against every home in each area.
MeasureThis homeWinter GardensLakeside 92040San Diego County
Estimated valuepricier than$774,08054% of homes52% of homes37% of homes
Price per ft²pricier than$71197% of homes98% of homes75% of homes
Living areabigger than1,089 ft²19% of homes16% of homes24% of homes
Lot sizebigger than0.35 ac34% of homes39% of homes57% of homes
Year builtnewer than195816% of homes14% of homes12% of homes

About 12107 Saddle Rock Rd

How much is 12107 Saddle Rock Rd, Lakeside, CA worth?

The TopHap Estimate for 12107 Saddle Rock Rd, Lakeside, CA is $774,080 as of Jul 14, 2026. The likely range is $744,593 to $803,567. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12107 Saddle Rock Rd, Lakeside, CA last sell?

12107 Saddle Rock Rd, Lakeside, CA last sold on Dec 15, 2021 for $640,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 12107 Saddle Rock Rd, Lakeside, CA?

12107 Saddle Rock Rd, Lakeside, CA has 2 bedrooms, 1 bathrooms, 1,089 square feet of living space and a 0.35-acre lot.

When was 12107 Saddle Rock Rd, Lakeside, CA built?

12107 Saddle Rock Rd, Lakeside, CA was built in 1958, making it 68 years old. It is a conventional home. The building has 1 story.

What schools serve 12107 Saddle Rock Rd, Lakeside, CA?

12107 Saddle Rock Rd, Lakeside, CA is assigned to Lemon Crest Elementary School (elementary), rated D+; Lakeside Middle School (middle), rated C+; El Capitan High School (high), rated B. All sit in Grossmont Union High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12107 Saddle Rock Rd, Lakeside, CA compare to other homes in Lakeside 92040?

Among the 12,329 homes in Lakeside 92040, it is worth more than 52% of them ($774,080 against a typical $766,961), its price per square foot is higher than 98% of them ($711 against a typical $478), it is bigger than 16% of them (1,089 ft² against a typical 1,544 ft²), its lot is bigger than 39% of them (0.35 ac against a typical 0.5 ac) and it is newer than 14% of them (1958 against a typical 1977). Measured against all of San Diego County, it is worth more than 37% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12107 Saddle Rock Rd, Lakeside, CA?

The 2025 property tax bill for 12107 Saddle Rock Rd, Lakeside, CA was $8,233. The county assessed it at $692,753.

Closest homes

More homes in Lakeside 92040

Assigned schools

Explore the area

See this home in context

Open 12107 Saddle Rock Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map