1313 Windridge Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1313 Windridge Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,368 sqft · built 1945
Lot Size	1.61 acres (70,567 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Sep 2018)
Tax Bill	$9,634 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493-370-30-00`

Property Details

APN / Parcel Number

Primary APN	`493-370-30-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,368 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	70,567 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1313 WINDRIDGE DR
City	EL CAJON
State	CA
Zip	92020-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	TCT A SEC 13-16-1W NWLY PAR AS PER ROS 5993&DOC75-171165 IN TR CC000262
Legal Range	01W
Legal Township	16
Legal Section	13
Legal Subdivision	RANCHO EL CAJON
Legal Tract	A
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 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Sep 19, 2018	Grant Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2018 · Amount on Record
Deed Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	2018392119
Prior Transfer Date	Sep 23, 2008
Prior Transfer Doc	0000597839
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860

Mortgage

Document Number	0000711836
Date	Oct 12, 2021
Instrument	2021-0711836

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860

Mortgage

Document Number	0000496197
Date	Aug 28, 2020
Instrument	2020-0496197

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860
Document Number	0000437362
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1313 WINDRIDGE DR EL CAJON CA 920207860, EL CAJON, CA 92020-7860

Mortgage

Document Number	0000437362
Date	Oct 2, 2019
Instrument	437362

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2018
Property Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860
Document Number	0000392119
Instrument Date	Sep 7, 2018
Instrument	2018-0392119
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1313 WINDRIDGE DR, EL CAJON, CA 92020-7860

Mortgage

Document Number	0000392120
Date	Sep 19, 2018
Instrument	2018-0392120

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$841,987 (+2%) Land $247,314 Building $594,673
2025	$9,634.00 (+2.03%) Homeowner's exemption	$825,478 (+4.04%) Land $242,465 Building $583,013
2023	$9,442.00 (+1.6%) Homeowner's exemption	$793,425 Land $233,050 Building $560,375
2022	$9,293.00

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% 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 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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