1095 Ellen Ln, El Cajon, CA 92019 Property Records

San Diego County property record for 1095 Ellen Ln, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,286 sqft · built 1980
Lot Size	0.237 acres (10,335 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (Mar 1988)
Tax Bill	$4,147 (2025)
Deeds & Mortgages	Dec 2018 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`514-180-76-00`

Property Details

APN / Parcel Number

Primary APN	`514-180-76-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,286 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	10,335 sqft (0.237 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1095 ELLEN LN
City	EL CAJON
State	CA
Zip	92019-3457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 4 TR 008969
Legal Subdivision	ELLEN LANE ESTATES
Legal Tract	008969
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1008
Census Tract	15405

Owner

1095 Ellen Ln is owned and occupied by an individual who acquired it in December 2018.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1095 ELLEN LN, EL CAJON, CA 92019-3457
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 1988 · Amount on File
Deed Sale	Mar 23, 1988 · Amount on File
Prior Sale	Apr 5, 1985 · Amount on File
Deed Document Number	1988132982
Last Transfer Date	Dec 19, 2018
Transfer Doc	0000530000
Record Updated	Oct 29, 2026

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2018
Property Address	1095 ELLEN LN, EL CAJON, CA 92019-3457
Document Number	0000530000
Map Reference	MAP 8969
Instrument Date	Dec 19, 2018
Instrument	2018-0530000
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 ELLEN LN, EL CAJON, CA 92019-3457

Mortgage

Document Number	0000530001
Date	Dec 27, 2018
Instrument	2018-0530001

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.09%
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Ellen Ln was $4,147 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	El Cajon City
Elementary School District	Cajon Valley Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$302,389 (+2%) Land $123,193 Building $179,196
2025	$4,147.00 Homeowner's exemption	$296,461 Land $120,778 Building $175,683
2023	$4,449.00 (+2.21%) Homeowner's exemption	$284,951 Land $116,089 Building $168,862
2022	$4,353.00

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

Flood

FEMA maps place 1095 Ellen Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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 Claims	2 (2001–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2023 · Tropical Storm Hilary

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 1095 Ellen Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Wyyerd Connect.

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