11731 Shadow Valley Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 11731 Shadow Valley Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,953 sqft · built 1968
Lot Size	0.932 acres (40,600 sqft)
Owner	Company Name on File
Last Sale	$260,000 (Jun 1988)
Tax Bill	$8,408 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`498-200-16-00`

Property Details

APN / Parcel Number

Primary APN	`498-200-16-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,953 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	40,600 sqft (0.932 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	11731 SHADOW VALLEY RD
City	EL CAJON
State	CA
Zip	92020-8347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 119 TR 004742
Legal Subdivision	SHADOW HILLS
Legal Tract	004742
Legal Block	2
Legal Lot Number	119
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	15403

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 17, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 1988 · Amount on File
Deed Sale	Jun 21, 1988 · Amount on File
Deed Document Number	1988295323
Last Transfer Date	Nov 1, 2012
Transfer Doc	0000698365
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347

Mortgage

Document Number	0000795959
Date	Nov 18, 2021
Instrument	2021-0795959

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 30, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347

Mortgage

Document Number	0000273549
Date	Apr 8, 2021
Instrument	2021-0273549

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	11731 SHADOW VALLEY RD, EL CAJON, CA 92020-8347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430773
Date	Oct 17, 2018
Instrument	2018-0430773

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$736,372 (+2%) Land $179,910 Building $556,462
2025	$8,408.00 (+2.05%) Homeowner's exemption	$721,934 (+4.04%) Land $176,383 Building $545,551
2023	$8,239.00 (+1.6%) Homeowner's exemption	$693,902 Land $169,535 Building $524,367
2022	$8,109.00

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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 238 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
AT&T DSL	100 / 20

May also be available: Wyyerd Connect.

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