1296 Hardin Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1296 Hardin Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,942 sqft · built 1956
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2015)
Tax Bill	$6,099 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492-393-13-00`

Property Details

APN / Parcel Number

Primary APN	`492-393-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,942 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	1296 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 13 TR 003173
Legal Subdivision	SCOTT RANCHOS
Legal Tract	003173
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	15302

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	Individual Name on Record
Mailing Address	1296 HARDIN DR, EL CAJON, CA 92020-7213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
May 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2015 · Amount on Record
Deed Sale	Aug 14, 2015 · Amount on Record
Prior Sale	Jan 22, 2001 · Amount on Record
Deed Document Number	2015430743
Last Transfer Date	May 12, 2020
Transfer Doc	0000252615
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2023
Property Address	1296 HARDIN DR, EL CAJON, CA 92020-7213
Document Number	0000077603
Map Reference	MAP 3173
Instrument Date	Mar 21, 2023
Instrument	2023-0077603
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	CORINTHIAN TITLE COMPANY

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	1296 HARDIN DR, EL CAJON, CA 92020-7213

Mortgage

Document Number	0000077604
Date	Mar 27, 2023
Instrument	2023-0077604

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1296 HARDIN DR, EL CAJON, CA 92020-7213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1296 HARDIN DR, EL CAJON, CA 92020-7213

Mortgage

Document Number	0000010216
Date	Jan 7, 2021
Instrument	2021-0010216

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2020
Property Address	1296 HARDIN DR, EL CAJON, CA 92020-7213
Document Number	0000252615
Map Reference	MAP 3173
Instrument Date	May 12, 2020
Instrument	2020-0252615
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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	Community Property
Address	1296 HARDIN DR, EL CAJON, CA 92020-7213

Mortgage

Document Number	0000252616
Date	May 19, 2020
Instrument	2020-0252616

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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		$458,829 (+2%) Land $155,997 Building $302,832
2025	$6,099.00 (+3.46%)	$449,834 (+4.04%) Land $152,939 Building $296,895
2023	$5,895.00 (+0.68%) Homeowner's exemption	$432,368 Land $147,001 Building $285,367
2022	$5,855.00

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	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

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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