1184 Coco Palms Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1184 Coco Palms Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,170 sqft · built 1981
Lot Size	4.48 acres (195,584 sqft)
Owner	2 Company Names on Record
Tax Bill	$10,357 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-360-22-00`

Property Details

APN / Parcel Number

Primary APN	`493-360-22-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Building Area	5,170 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	195,584 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1184 COCO PALMS DR
City	EL CAJON
State	CA
Zip	92020-7873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	TCT A SEC 13-16-1W PAR A PER DOC92-640674 TR CC000262
Legal Range	01W
Legal Township	16
Legal Section	13
Legal Subdivision	RANCHO EL CAJON
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	15408

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	2 Company Names on Record
Mailing Address	1184 COCO PALMS DR, EL CAJON, CA 92020-7873
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jul 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage MUTUAL OF OMAHA BANK
Jun 25, 2018	Deed of Trust, Mortgage MUTUAL/OMAHA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 24, 2024
Transfer Doc	0000239803
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1184 COCO PALMS DR, EL CAJON, CA 92020-7873
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1184 COCO PALMS DR, EL CAJON, CA 92020-7873

Mortgage

Document Number	0000533103
Date	Jul 27, 2021
Instrument	2021-0533103

Lender

Name	BANNER BANK
Type	Bank
Address	SAN DIEGO, CA 92101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1184 COCO PALMS DR, EL CAJON, CA 92020-7873
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000278309
Date	Jul 9, 2018
Instrument	2018-0278309

Lender

Name	MUTUAL OF OMAHA BANK
Type	Bank
Address	SAN DIEGO, CA 92130

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1184 COCO PALMS DR, EL CAJON, CA 92020-7873
Document Number	0000278310
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE-NATIONAL COM, FIRST AMERICAN TITLE-NAT'L COM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3838 CAMINO DEL RIO N #300 SAN DIEGO CA 921081764, 300, SAN DIEGO, CA 92108-1764

Mortgage

Document Number	0000278310
Date	Jul 9, 2018
Instrument	278310

Lender

Name	MUTUAL/OMAHA BK
Type	Bank
Address	3580 CARMEL MOUNTAIN RD # 160, SAN DIEGO, CA 92130-6766

Agreement

Amount	Amount Recorded

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		$899,543 (+2%) Land $268,254 Building $631,289
2025	$10,357.00 (+2.02%) Homeowner's exemption	$881,906 (+4.04%) Land $262,995 Building $618,911
2023	$10,152.00 (+1.59%) Homeowner's exemption	$847,663 Land $252,784 Building $594,879
2022	$9,993.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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 175 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

May also be available: AT&T, Wyyerd Connect.

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