129 Saddlebrook Way, El Cajon, CA 92019 Property Records

San Diego County property record for 129 Saddlebrook Way, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,204 sqft · built 2007
Lot Size	0.49 acres (21,332 sqft)
Owner	Company Name on File
Last Sale	$989,000 (Apr 2016)
Tax Bill	$15,433 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`511-240-46-00`

Property Details

APN / Parcel Number

Primary APN	`511-240-46-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	4,204 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	21,332 sqft (0.49 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	129 SADDLEBROOK WAY
City	EL CAJON
State	CA
Zip	92019-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-20
Legal Description	LOT 7 TR 014894
Legal Subdivision	MCNEIL RANCH
Legal Tract	014894
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1010
Census Tract	15602

Owner

129 Saddlebrook Way is owned by a company that acquired it in January 2019.

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

Owner of Record	Company Name on File
Mailing Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
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
Apr 3, 2017	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO FUNDING
Feb 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 16, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 16, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2016 · Amount on File
Deed Sale	Apr 22, 2016 · Amount on File
Prior Sale	Jun 27, 2008 · Amount on File
Deed Document Number	2016188082
Last Transfer Date	Jan 15, 2019
Transfer Doc	0000064057
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	EQUITY TITLE IRVINE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000146349
Date	Apr 3, 2017
Instrument	2017-0146349

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	GUARDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003

Mortgage

Document Number	0000267283
Date	Apr 6, 2021
Instrument	2021-0267283

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2019
Property Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
Document Number	0000064057
Instrument Date	Jan 15, 2019
Instrument	64057
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	129 SADDLEBROOK WAY EL CAJON CA 920197003, EL CAJON, CA 92019-7003

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 16, 2018
Property Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
Document Number	0000336744
Map Reference	MAP 14894
Instrument Date	Aug 8, 2018
Instrument	2018-0336744
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	TITLE SOURCE 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
Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003

Mortgage

Document Number	0000336745
Date	Aug 16, 2018
Instrument	2018-0336745

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 16, 2018
Property Address	129 SADDLEBROOK WAY, EL CAJON, CA 92019-7003
Document Number	0000336743
Instrument Date	Aug 8, 2018
Instrument	336743
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	129 SADDLEBROOK WAY EL CAJON CA 920197003, EL CAJON, CA 92019-7003

Tax Assessment & Valuation

The 2025 property tax bill for 129 Saddlebrook Way was $15,433, down 0.9% from the year before.

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		$1,193,236 (+2%) Land $345,897 Building $847,339
2025	$15,433.00 (-0.94%)	$1,169,840 Land $339,115 Building $830,725
2024	$15,580.00 (+1.18%)
2023	$15,399.00 (+2.59%)	$1,124,416 Land $325,948 Building $798,468
2022	$15,010.00

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

Flood

FEMA maps place 129 Saddlebrook Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2004–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2016 · rainfall accumulation

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 129 Saddlebrook Way is low, with a 0.03% 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 79% of California
Wildfire Likelihood	0.03% 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 168 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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