11469 Lorena Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 11469 Lorena Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,589 sqft · built 1960
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,020,000 (Mar 2026)
Tax Bill	$7,380 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`498-082-08-00`

Property Details

APN / Parcel Number

Primary APN	`498-082-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,589 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	21,780 sqft (0.5 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	11469 LORENA LN
City	EL CAJON
State	CA
Zip	92020-8236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 58 TR 003858
Legal Subdivision	SHADOW HILLS
Legal Tract	003858
Legal Block	2
Legal Lot Number	58
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 July 21, 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	11469 LORENA LN, EL CAJON, CA 92020-8236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 7, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Mar 20, 2026	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA FCU
May 10, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Aug 30, 2012 · Amount on Record
Deed Document Number	202677692
Prior Transfer Date	Jul 30, 2021
Prior Transfer Doc	0000578221
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11469 LORENA LN, EL CAJON, CA 92020-8236

Mortgage

Document Number	0000324772
Date	Aug 11, 2022
Instrument	2022-0324772

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11469 LORENA LN, EL CAJON, CA 92020-8236

Mortgage

Document Number	0000094736
Date	Apr 12, 2023
Instrument	2023-0094736

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11469 LORENA LN, EL CAJON, CA 92020-8236

Mortgage

Document Number	0000270081
Date	Oct 7, 2024
Instrument	2024-0270081

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 20, 2026
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Document Number	0000077692
Map Reference	MAP 3858
Instrument Date	Mar 5, 2026
Instrument	2026-0077692
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	LAWYERS TITLE

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
Relationship	Joint Tenants
Address	11469 LORENA LN, EL CAJON, CA 92020-8236

Mortgage

Document Number	0000077693
Date	Mar 20, 2026
Instrument	2026-0077693

Lender

Name	CALIFORNIA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Max Rate	10.3%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176734
Date	May 10, 2019
Instrument	2019-0176734

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2021
Property Address	11469 LORENA LN, EL CAJON, CA 92020-8236
Document Number	0000578221
Map Reference	MAP 3858
Instrument Date	Jul 30, 2021
Instrument	2021-0578221
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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
Relationship	Joint Tenants
Address	11469 LORENA LN, EL CAJON, CA 92020-8236

Mortgage

Document Number	0000578222
Date	Aug 13, 2021
Instrument	2021-0578222

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$646,856 (+2%) Land $226,084 Building $420,772
2025	$7,380.00 (-0.61%) Homeowner's exemption	$634,173 (+4.04%) Land $221,651 Building $412,522
2024	$7,425.00 (+2.67%)
2023	$7,232.00 (+1.62%) Homeowner's exemption	$609,549 Land $213,045 Building $396,504
2022	$7,117.00

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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