13523 Los Coches Rd E, El Cajon, CA 92021 Property Records

San Diego County property record for 13523 Los Coches Rd E, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1983
Lot Size	0.229 acres (9,972 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Sep 2021)
Tax Bill	$8,770 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`400-490-45-00`

Property Details

APN / Parcel Number

Primary APN	`400-490-45-00`
Alternative APN	`4001102800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,972 sqft (0.229 acres)
Lot Dimensions	110 ft deep x 110 ft wide
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	4001102800
Street Address	13523 LOS COCHES RD E
City	EL CAJON
State	CA
Zip	92021-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 40 LOT 4 (EX DOC82-56433)DOC81-50797 IN TR DB0170PG071
Legal Subdivision	RANCHO EL CAJON
Legal Tract	DB0170PG
Legal Block	40
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3006
Census Tract	16809

Owner

13523 Los Coches Rd E is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	13523 LOS COCHES RD E, EL CAJON, CA 92021-2034
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	Sep 6, 1996 · Amount on File
Deed Document Number	2021674635
Prior Transfer Date	Nov 15, 1995
Prior Transfer Doc	0000524513
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13523 LOS COCHES RD E, EL CAJON, CA 92021-2034
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13523 LOS COCHES RD E, EL CAJON, CA 92021-2034

Mortgage

Document Number	0000014490
Date	Jan 14, 2019
Instrument	2019-0014490

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	362 Months
Due	Feb 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 13523 Los Coches Rd E was $8,770.

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		$692,752 (+2%) Land $287,363 Building $405,389
2025	$8,770.00	$679,170 Land $281,729 Building $397,441
2023	$8,486.00 (+1.88%)	$652,799 Land $270,790 Building $382,009
2022	$8,329.00

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

Flood

FEMA maps place 13523 Los Coches Rd E in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.

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	7 in force
Nearby Flood Claims	14 (1980–2026)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Jan 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims

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 13523 Los Coches Rd E is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 584 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
AT&T DSL	100 / 20