10520 Cadwell Rd, Santee, CA 92071 Property Records

San Diego County property record for 10520 Cadwell Rd, Santee, CA 92071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 1984
Lot Size	0.14 acres (6,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Sep 2017)
Tax Bill	$7,480 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`378-382-34-00`

Property Details

APN / Parcel Number

Primary APN	`378-382-34-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,545 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	6,106 sqft (0.14 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10520 CADWELL RD
City	SANTEE
State	CA
Zip	92071-1078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 146 TR 009904
Legal Subdivision	SAN DIEGO 3675-3
Legal Tract	009904
Legal Block	1
Legal Lot Number	146
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	16621

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit MYPOINT CU SD
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
Sep 28, 2017	Grant Deed, Transfer · Conventional with PMI SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Aug 24, 1984 · Amount on Record
Deed Document Number	2017446993
Prior Transfer Date	Jan 11, 2005
Prior Transfer Doc	0000064837
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10520 CADWELL RD, SANTEE, CA 92071-1078

Mortgage

Document Number	0000051001
Date	Feb 25, 2026
Instrument	2026-0051001

Lender

Name	MYPOINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10520 CADWELL RD, SANTEE, CA 92071-1078

Mortgage

Document Number	0000533824
Date	Jul 27, 2021
Instrument	2021-0533824

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000319653
Date	Aug 1, 2019
Instrument	2019-0319653

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Document Number	0000181454
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10520 CADWELL RD SANTEE CA 920711078, SANTEE, CA 92071-1078

Mortgage

Document Number	0000181454
Date	Apr 9, 2020
Instrument	181454

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2017
Property Address	10520 CADWELL RD, SANTEE, CA 92071-1078
Document Number	0000446993
Instrument Date	Sep 5, 2017
Instrument	446993
Transaction Type	Transfer
Record Updated	Oct 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10520 CADWELL RD SANTEE CA 920711078, SANTEE, CA 92071-1078

Mortgage

Document Number	446994
Date	Sep 28, 2017
Instrument	446994

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

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		$644,117 (+2%) Land $257,631 Building $386,486
2025	$7,480.00 (+4.35%) Homeowner's exemption	$631,488 (+4.04%) Land $252,580 Building $378,908
2023	$7,168.00 (+0.73%) Homeowner's exemption	$606,969 Land $242,773 Building $364,196
2022	$7,116.00

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

Flood

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
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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