1278 Hardin Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1278 Hardin Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,756 sqft · built 1956
Lot Size	0.145 acres (6,300 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Dec 2008)
Tax Bill	$5,361 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492-393-11-00`

Property Details

APN / Parcel Number

Primary APN	`492-393-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,756 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1278 HARDIN DR
City	EL CAJON
State	CA
Zip	92020-7213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 11 TR 003173
Legal Subdivision	SCOTT RANCHOS
Legal Tract	003173
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	15302

Owner

1278 Hardin Dr is owned by a company that bought it in December 2008 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1278 HARDIN DR, EL CAJON, CA 92020-7213
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Mar 29, 2024	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jan 26, 2017	Deed of Trust, Mortgage · ARM SAN DIEGO COUNTY CU
Dec 12, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2008 · Amount on File
Deed Sale	Dec 3, 2008 · Amount on File
Prior Sale	Nov 17, 1995 · Amount on File
Deed Document Number	2008619934
Prior Transfer Date	Nov 9, 1993
Prior Transfer Doc	0000762009
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1278 HARDIN DR, EL CAJON, CA 92020-7213
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1278 HARDIN DR, EL CAJON, CA 92020-7213

Mortgage

Document Number	0000078266
Date	Mar 29, 2024
Instrument	2024-0078266

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	Mar 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1278 HARDIN DR, EL CAJON, CA 92020-7213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041075
Date	Jan 26, 2017
Instrument	2017-0041075

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	5-Year CMT
Max Rate	8.12%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1278 HARDIN DR, EL CAJON, CA 92020-7213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576679
Date	Dec 12, 2017
Instrument	2017-0576679

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	EL CAJON, CA 92020

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jan 7, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17.2%

Tax Assessment & Valuation

The 2025 property tax bill for 1278 Hardin Dr was $5,361 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
Municipality	El Cajon City
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		$426,877 (+2%) Land $197,019 Building $229,858
2025	$5,361.00 Homeowner's exemption	$418,507 Land $193,156 Building $225,351
2023	$5,261.00 (+2.65%) Homeowner's exemption	$402,257 Land $185,656 Building $216,601
2022	$5,125.00

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

Flood

FEMA maps place 1278 Hardin Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	3 (1978–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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

The area around 1278 Hardin Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 547 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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