11445 Lorena Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 11445 Lorena Ln, El Cajon, CA 92020 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,384 sqft · built 1960
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Aug 2020)
Tax Bill	$10,411 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`498-082-06-00`

Property Details

APN / Parcel Number

Primary APN	`498-082-06-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,384 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Good

Location & Zoning

Street Address	11445 LORENA LN
City	EL CAJON
State	CA
Zip	92020-8236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 TR 003858
Legal Subdivision	SHADOW HILLS
Legal Tract	003858
Legal Block	2
Legal Lot Number	56
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 · APN 498-082-06-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 13, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Jan 14, 2020	Grant Deed, Construction Loan · Conventional with PMI ANCHOR LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	Jan 14, 2020 · Amount on Record
Deed Document Number	2020455628
Prior Transfer Date	Feb 20, 2002
Prior Transfer Doc	0000164826
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2026
Property Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Document Number	0000123046
Instrument Date	Apr 23, 2026
Instrument	2026123046
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Investor	Possibly a Property Investor

Mortgage

Document Number	0000123046,
Date	Apr 30, 2026
Instrument	2026123046

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2020
Property Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Document Number	0000455628
Map Reference	MAP 3858
Instrument Date	Jul 22, 2020
Instrument	2020-0455628
Transaction Type	Transfer
Record Updated	Jul 01, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Community Property
Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Investor	Possibly a Property Investor

Mortgage

Document Number	0000455629
Date	Aug 13, 2020
Instrument	2020-0455629

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

January 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 14, 2020
Property Address	11445 LORENA LN, EL CAJON, CA 92020-8236
Document Number	0000020107
Instrument Date	Jan 10, 2020
Instrument	20107
Transaction Type	Construction Loan
Record Updated	Jan 29, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$567.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5663 BALBOA AVE #495 SAN DIEGO CA 921112705, 495, SAN DIEGO, CA 92111-2705

Mortgage

Document Number	20108
Date	Jan 14, 2020
Instrument	20108

Lender

Name	ANCHOR LNS
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$910,862 (+2%) Land $279,801 Building $631,061
2025	$10,411.00 (-0.62%) Homeowner's exemption	$893,003 (+4.04%) Land $274,315 Building $618,688
2024	$10,476.00 (+2.67%)
2023	$10,204.00 (+0.76%)	$858,328 Land $263,664 Building $594,664
2022	$10,127.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730154032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, rainfall accumulation, Severe Winter Storms, Flooding, And Debris And Mud Flows

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 230 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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