145 Frances Dr, El Cajon, CA 92019 Property Records

San Diego County property record for 145 Frances Dr, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,086 sqft · built 1935
Lot Size	0.304 acres (13,222 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Feb 2016)
Tax Bill	$4,673 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`399-190-15-00`

Property Details

APN / Parcel Number

Primary APN	`399-190-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,086 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,222 sqft (0.304 acres)
Garage Type	Open

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	145 FRANCES DR
City	EL CAJON
State	CA
Zip	92019-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK J LOTS 26 & 32 TR 001943
Legal Subdivision	HARBISON CANYON
Legal Tract	001943
Legal Block	J
Legal Lot Number	26,32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2026
Census Tract	15502

Owner

145 Frances Dr is owned and occupied by an individual who bought it in February 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	145 FRANCES DR, EL CAJON, CA 92019-1556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2016 · Amount on File
Deed Sale	Feb 2, 2016 · Amount on File
Prior Sale	Oct 25, 2000 · Amount on File
Deed Document Number	201646726
Prior Transfer Date	Jun 24, 1996
Prior Transfer Doc	0000374012
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 9, 2020
Property Address	145 FRANCES DR, EL CAJON, CA 92019-1556
Document Number	0000613412
Map Reference	MAP 1943
Instrument Date	Oct 5, 2020
Instrument	2020-0613412
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE CO OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 FRANCES DR, EL CAJON, CA 92019-1556

Mortgage

Document Number	0000613413
Date	Oct 9, 2020
Instrument	2020-0613413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 145 Frances Dr was $4,673.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Alpine 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		$410,532 (+2%) Land $229,415 Building $181,117
2025	$4,673.00	$402,483 Land $224,917 Building $177,566
2023	$4,680.00 (+0.65%)	$386,856 Land $216,184 Building $170,672
2022	$4,650.00

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

Flood

FEMA maps place 145 Frances Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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	9 in force
Nearby Flood Claims	2 (1993–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1996 · rainfall accumulation

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 145 Frances Dr is extreme, ranking above 95% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Extreme above 95% of the US · above 81% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 135 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