11274 Lorena Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 11274 Lorena Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1957
Lot Size	0.85 acres (37,026 sqft)
Owner	Company Name on Record
Last Sale	$120,000 (Jan 2002)
Tax Bill	$5,228 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`497-172-06-00`

Property Details

APN / Parcel Number

Primary APN	`497-172-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	37,026 sqft (0.85 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	Septic
Water Source	Commercial

Location & Zoning

Street Address	11274 LORENA LN
City	EL CAJON
State	CA
Zip	92020-8139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 14 TR 003287
Legal Subdivision	SHADOW HILLS
Legal Tract	003287
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2008
Census Tract	15403

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	Company Name on Record
Mailing Address	11274 LORENA LN, EL CAJON, CA 92020-8139
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 5, 2020	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2002 · Amount on Record
Deed Sale	Jan 3, 2002 · Amount on Record
Prior Sale	Dec 30, 1993 · Amount on Record
Deed Document Number	20025613
Last Transfer Date	Jan 27, 2020
Transfer Doc	0000114596
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11274 LORENA LN, EL CAJON, CA 92020-8139
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11274 LORENA LN, EL CAJON, CA 92020-8139

Mortgage

Document Number	0000098263
Date	Mar 4, 2022
Instrument	2022-0098263

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.25%

March 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 5, 2020
Property Address	11274 LORENA LN, EL CAJON, CA 92020-8139
Document Number	0000114596
Instrument Date	Jan 27, 2020
Instrument	114596
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	FNC TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11274 LORENA LN EL CAJON CA 920208139, EL CAJON, CA 92020-8139

Mortgage

Document Number	114597
Date	Mar 5, 2020
Instrument	114597

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVENUE 3RD & 7TH F, ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	3.4%

Mortgage

Document Number	114598,
Date	Mar 5, 2020
Instrument	114598

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	3.4%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$459,396 (+2%) Land $260,035 Building $199,361
2025	$5,228.00 (+2.09%) Homeowner's exemption	$450,389 (+4.04%) Land $254,937 Building $195,452
2023	$5,121.00 (+1.63%) Homeowner's exemption	$432,902 Land $245,039 Building $187,863
2022	$5,039.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1983–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 284 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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