San Diego County property record for 105 Frances Dr, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,397 sqft · built 2004 |
| Lot Size | 0.242 acres (10,538 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $150,000 (Apr 1999) |
| Tax Bill | $3,526 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 399-170-15-00 |
| Primary APN | 399-170-15-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,397 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 10,538 sqft (0.242 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 105 FRANCES DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-1556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | BLK J LOT 9 /EXC WLY 25 FT/ LOT 12 & ALL TR 001943 |
| Legal Subdivision | HARBISON CANYON |
| Legal Tract | 001943 |
| Legal Block | J |
| Legal Lot Number | 9,12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 15502 |
105 Frances Dr is owned by a company that bought it in April 1999.
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 105 FRANCES DR, EL CAJON, CA 92019-1556 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Apr 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Jun 12, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 1999 · Amount on File |
| Deed Sale | Apr 27, 1999 · Amount on File |
| Prior Sale | Apr 12, 1993 · Amount on File |
| Deed Document Number | 1999280650 |
| Prior Transfer Date | Dec 8, 1994 |
| Prior Transfer Doc | 0000718940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 105 FRANCES DR, EL CAJON, CA 92019-1556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|
| Document Number | 0000190203 |
|---|---|
| Date | Apr 15, 2020 |
| Instrument | 2020-0190203 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BAKERSFIELD, CA 93309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 12, 2018 |
| Property Address | 105 FRANCES DR, EL CAJON, CA 92019-1556 |
| Document Number | 0000237518 |
| Map Reference | MAP 1943 |
| Instrument Date | Jun 7, 2018 |
| Instrument | 2018-0237518 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 FRANCES DR, EL CAJON, CA 92019-1556 |
| Document Number | 0000237519 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 2018-0237519 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 105 Frances Dr was $3,526.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Elementary School District | Alpine Union Elementary School District (KG - 08) |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $306,797 (+2%) Land $92,732 Building $214,065 | |
| 2025 | $3,526.00 | $300,782 Land $90,914 Building $209,868 |
| 2023 | $3,531.00 (+0.66%) | $289,104 Land $87,385 Building $201,719 |
| 2022 | $3,508.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 105 Frances Dr 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (1993–1996) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Dec 1996 · rainfall accumulation |
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 risk around 105 Frances Dr is very high, ranking above 92% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 92% of the US · above 75% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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