San Diego County property record for 10359 el Toro Ln, Santee, CA 92071
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,272 sqft · built 1959 |
| Lot Size | 0.173 acres (7,531 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Apr 2022) |
| Tax Bill | $8,039 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 384-400-20-00 |
| Primary APN | 384-400-20-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,272 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Lot Area | 7,531 sqft (0.173 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 10359 EL TORO LN |
|---|---|
| City | SANTEE |
| State | CA |
| Zip | 92071-4407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IL |
| Legal Description | BLK 16 LOT 1 POR TR 000817 |
| Legal Subdivision | RANCHO EL CAJON |
| Legal Tract | 000817 |
| Legal Block | 16 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 16617 |
Source: San Diego County records · APN 384-400-20-00
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 | 10359 EL TORO LN, SANTEE, CA 92071-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2022 | Grant Deed, Transfer · Conventional Mortgage SAN DIEGO COUNTY CU |
| Feb 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on Record |
| Deed Sale | Apr 29, 2022 · Amount on Record |
| Deed Document Number | 2022188341 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 29, 2022 |
| Property Address | 10359 EL TORO LN, SANTEE, CA 92071-4407 |
| Document Number | 0000188341 |
| Map Reference | MAP 817 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022-0188341 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2022 |
| 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 | Community Property with Right of Survivorship |
| Address | 10359 EL TORO LN, SANTEE, CA 92071-4407 |
| Document Number | 0000188342 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-0188342 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | May 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 10359 EL TORO LN, SANTEE, CA 92071-4407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 10359 EL TORO LN, SANTEE, CA 92071-4407 |
| Document Number | 0000058897 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 2019-0058897 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
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 | $692,756 (+2%) Land $541,216 Building $151,540 | |
| 2025 | $8,039.00 (+4.35%) Homeowner's exemption | $679,173 (+4.04%) Land $530,604 Building $148,569 |
| 2023 | $7,704.00 (+839.51%) Homeowner's exemption | $652,800 Land $510,000 Building $142,800 |
| 2022 | $820.00 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 12 (1980–1995) |
| Most Recent Claim | Feb 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within 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 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 507 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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