1365 Hardin Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1365 Hardin Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,253 sqft · built 1961
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Dec 2019)
Tax Bill	$10,140 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`492-460-07-00`

Property Details

APN / Parcel Number

Primary APN	`492-460-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,253 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	32,234 sqft (0.74 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1365 HARDIN DR
City	EL CAJON
State	CA
Zip	92020-7263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-20
Legal Description	LOT 9 POR TR 004075
Legal Subdivision	HARDIN HILLS
Legal Tract	004075
Legal Block	2
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	15302

Owner

1365 Hardin Dr is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1365 HARDIN DR, EL CAJON, CA 92020-7263
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

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 23, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 1, 2017	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Dec 2, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on File
Deed Sale	Dec 2, 2019 · Amount on File
Prior Sale	Sep 9, 2016 · Amount on File
Deed Document Number	2019559390
Prior Transfer Date	Jun 28, 2013
Prior Transfer Doc	0000415544
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1365 HARDIN DR, EL CAJON, CA 92020-7263
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1365 HARDIN DR, EL CAJON, CA 92020-7263

Mortgage

Document Number	0000448384
Date	Nov 23, 2022
Instrument	2022-0448384

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1365 HARDIN DR, EL CAJON, CA 92020-7263
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1365 HARDIN DR, EL CAJON, CA 92020-7263

Mortgage

Document Number	0000805654
Date	Nov 23, 2021
Instrument	2021-0805654

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1365 HARDIN DR, EL CAJON, CA 92020-7263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000508978
Date	Nov 1, 2017
Instrument	2017-0508978

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2019
Property Address	1365 HARDIN DR, EL CAJON, CA 92020-7263
Document Number	0000559390
Instrument Date	Oct 11, 2019
Instrument	559390
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1365 HARDIN DR EL CAJON CA 920207263, EL CAJON, CA 92020-7263

Mortgage

Document Number	559391
Date	Dec 2, 2019
Instrument	559391

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1365 Hardin Dr was $10,140.

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		$808,745 (+2%) Land $332,239 Building $476,506
2025	$10,140.00	$792,888 Land $325,725 Building $467,163
2023	$10,308.00 (+5.57%)	$762,101 Land $313,078 Building $449,023
2022	$9,764.00

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

Flood

FEMA maps place 1365 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

Wildfire risk around 1365 Hardin Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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 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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