13784 Sarah Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 13784 Sarah Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,804 sqft · built 1994
Lot Size	0.332 acres (14,462 sqft)
Owner	2 Company Names on Record
Last Sale	$605,000 (May 2020)
Tax Bill	$8,693 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`398-502-21-00`

Property Details

APN / Parcel Number

Primary APN	`398-502-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,804 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	14,462 sqft (0.332 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	13784 SARAH DR
City	EL CAJON
State	CA
Zip	92021-1980
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 53 TR 012784
Legal Subdivision	SAN DIEGO 4732
Legal Tract	012784
Legal Block	2
Legal Lot Number	53
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	16811

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 Company Names on Record
Mailing Address	13784 SARAH DR, EL CAJON, CA 92021-1980
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
May 20, 2020	Grant Deed, Transfer · Conventional Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Sep 1, 1999 · Amount on Record
Deed Document Number	2020257053
Last Transfer Date	Jul 31, 2024
Transfer Doc	0000208571
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	13784 SARAH DR, EL CAJON, CA 92021-1980
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13784 SARAH DR, EL CAJON, CA 92021-1980

Mortgage

Document Number	0000649975
Date	Sep 14, 2021
Instrument	2021-0649975

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	13784 SARAH DR, EL CAJON, CA 92021-1980
Document Number	0000257053
Map Reference	MAP 12784
Instrument Date	May 7, 2020
Instrument	2020-0257053
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE CO

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	Community Property with Right of Survivorship
Address	PO BOX 2665, LA MESA, CA 91943-2665
Investor	Possibly a Property Investor

Mortgage

Document Number	0000257054
Date	May 20, 2020
Instrument	2020-0257054

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution

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 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Lakeside Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$674,882 (+2%) Land $401,584 Building $273,298
2025	$8,693.00 (+6.41%)	$661,650 (+4.04%) Land $393,710 Building $267,940
2023	$8,169.00 (+1.81%)	$635,960 Land $378,423 Building $257,537
2022	$8,024.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 582 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon, Wyyerd Connect.

Cell Coverage

5G (outdoors only) and 4G LTE

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