11397 Lorena Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 11397 Lorena Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,263 sqft · built 1959
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$980,000 (Sep 2021)
Tax Bill	$21,820 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`498-082-02-00`

Property Details

APN / Parcel Number

Primary APN	`498-082-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,263 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	11397 LORENA LN
City	EL CAJON
State	CA
Zip	92020-8234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 52 TR 003858
Legal Subdivision	SHADOW HILLS
Legal Tract	003858
Legal Block	2
Legal Lot Number	52
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	15403

Owner

Source: San Diego County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9340 FUERTE DR, 200, LA MESA, CA 91941-4164
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Sep 15, 2021	Grant Deed, Transfer · Conventional Mortgage JMAC LENDING INC
Nov 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Jul 28, 1989 · Amount on Record
Deed Document Number	2021650763
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 6, 2026
Property Address	11397 LORENA LN, EL CAJON, CA 92020-8234
Document Number	0000289461
Instrument Date	Oct 1, 2026
Instrument	2026289461
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11397 LORENA LN, EL CAJON, CA 92020-8234

Mortgage

Document Number	0000289461,
Date	Oct 6, 2026
Instrument	2026289461

Lender

Name	BANNER BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2021
Property Address	11397 LORENA LN, EL CAJON, CA 92020-8234
Document Number	0000650763
Map Reference	MAP 3858
Instrument Date	Aug 20, 2021
Instrument	2021-0650763
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1538 E MAIN ST, EL CAJON, CA 92021-5901

Mortgage

Document Number	0000650764
Date	Sep 15, 2021
Instrument	2021-0650764

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11397 LORENA LN, EL CAJON, CA 92020-8234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000509052
Date	Nov 1, 2017
Instrument	2017-0509052

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11397 LORENA LN, EL CAJON, CA 92020-8234
Document Number	0000387665
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11397 LORENA LN EL CAJON CA 920208234, EL CAJON, CA 92020-8234

Mortgage

Document Number	0000387665
Date	Sep 9, 2019
Instrument	387665

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

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		$1,060,782 (+2%) Land $649,458 Building $411,324
2025	$21,820.00 (+1.11%)	$1,039,983 (+4.04%) Land $636,724 Building $403,259
2023	$21,581.00 (+0.92%)	$999,600 Land $612,000 Building $387,600
2022	$21,384.00

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 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% 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 230 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 · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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