12186 Via Serrano, El Cajon, CA 92019 Property Records

San Diego County property record for 12186 Via Serrano, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,894 sqft · built 1990
Lot Size	0.487 acres (21,213 sqft)
Owner	2 Company Names on File
Last Sale	$661,000 (Feb 2020)
Tax Bill	$9,176 (2025)
Deeds & Mortgages	Dec 2023 Transfer Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`502-271-22-00`

Property Details

APN / Parcel Number

Primary APN	`502-271-22-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,894 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	21,213 sqft (0.487 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12186 VIA SERRANO
City	EL CAJON
State	CA
Zip	92019-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 22 TR 012104
Legal Subdivision	SAN DIEGO 4644
Legal Tract	012104
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	13608

Owner

12186 Via Serrano is owned by a company that acquired it in August 2020 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	12186 VIA SERRANO, EL CAJON, CA 92019-5023
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Intrafamily Transfer, Transfer
Aug 31, 2020	Quit Claim Deed, Transfer MCJAB INC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional with PMI MCJAB INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020 · Amount on File
Deed Sale	Feb 14, 2020 · Amount on File
Prior Sale	May 18, 2015 · Amount on File
Deed Document Number	202077606
Last Transfer Date	Aug 24, 2020
Transfer Doc	0000501037
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 13, 2023
Property Address	12186 VIA SERRANO, EL CAJON, CA 92019-5023
Document Number	0000342545
Map Reference	MAP 12104
Instrument Date	Dec 7, 2023
Instrument	2023-0342545
Transaction Type	Transfer
Record Updated	Dec 22, 2023

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	Living Trust
Address	12186 VIA SERRANO, EL CAJON, CA 92019-5023

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2020
Property Address	12186 VIA SERRANO, EL CAJON, CA 92019-5023
Document Number	0000501037
Instrument Date	Aug 24, 2020
Instrument	501037
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12186 VIA SERRANO EL CAJON CA 920195023, EL CAJON, CA 92019-5023

Mortgage

Document Number	501038
Date	Aug 31, 2020
Instrument	501038

Lender

Name	MCJAB INC
Address	SAN DIEGO, CA 92123

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	12186 VIA SERRANO, EL CAJON, CA 92019-5023
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12186 VIA SERRANO EL CAJON CA 920195023, EL CAJON, CA 92019-5023

Mortgage

Document Number	77607
Date	Feb 14, 2020
Instrument	77607

Lender

Name	MCJAB INC
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12186 Via Serrano was $9,176 with a homeowner's exemption.

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		$737,353 (+2%) Land $334,654 Building $402,699
2025	$9,176.00 Homeowner's exemption	$722,896 Land $328,093 Building $394,803
2023	$8,884.00 (+1.85%) Homeowner's exemption	$694,826 Land $315,353 Building $379,473
2022	$8,723.00

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

Flood

FEMA maps place 12186 Via Serrano in Zone X, an area of minimal flood risk.

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	3 in force

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

Wildfire risk around 12186 Via Serrano is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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