San Diego County property record for 221 Frances Dr, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 2019 |
| Lot Size | 0.171 acres (7,489 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Dec 2025) |
| Tax Bill | $9,088 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 399-190-38-00 |
| Primary APN | 399-190-38-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,560 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 7,489 sqft (0.171 acres) |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 3991902300 |
|---|---|
| Street Address | 221 FRANCES DR |
| City | EL CAJON |
| State | CA |
| Zip | 92019-1558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BLK J LOT 41 WLY 18.50 FT OF LOT 40&ALL OF TR 001943 |
| Legal Subdivision | HARBISON CANYON |
| Legal Tract | 001943 |
| Legal Block | J |
| Legal Lot Number | 41,40 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 15502 |
Source: San Diego County records, as of July 28, 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 | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 10, 2025 | Grant Deed, Transfer · Conventional Mortgage FUTUREMORTGAGE.COM LLC |
| Jun 8, 2023 | Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 29, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Feb 22, 2019 | Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 7, 2018 | Grant Deed, Transfer · Conventional Mortgage HOME LNS TODAY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2025 · Amount on Record |
| Deed Sale | Dec 10, 2025 · Amount on Record |
| Prior Sale | Jun 8, 2023 · Amount on Record |
| Deed Document Number | 2025348880 |
| Prior Transfer Date | Apr 8, 1998 |
| Prior Transfer Doc | 0000221786 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 10, 2025 |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000348880 |
| Map Reference | MAP 1943 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025-0348880 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000348881 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025-0348881 |
| Name | FUTUREMORTGAGE.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 8, 2023 |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000149343 |
| Map Reference | MAP 1943 |
| Instrument Date | May 9, 2023 |
| Instrument | 2023-0149343 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000149344 |
|---|---|
| Date | Jun 8, 2023 |
| Instrument | 2023-0149344 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 211 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000783695 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 2020-0783695 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 29, 2020 |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000413526 |
| Map Reference | DOC 17-299022 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 2020-0413526 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | LAWYERS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000413527 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 2020-0413527 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 22, 2019 |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000064618 |
| Map Reference | MAP 1943 |
| Instrument Date | Feb 20, 2019 |
| Instrument | 2019-0064618 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000064619 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | 2019-0064619 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 7, 2018 |
| Property Address | 221 FRANCES DR, EL CAJON, CA 92019-1558 |
| Document Number | 0000504918 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 504918 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $588.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 219 FRANCES DR EL CAJON CA 92019, EL CAJON, CA 92019 |
| Document Number | 504919 |
|---|---|
| Date | Dec 7, 2018 |
| Instrument | 504919 |
| Name | HOME LNS TODAY |
|---|---|
| Type | Funding / Finance Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 6, 2048 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $800,000 (-0.14%) Land $375,150 Building $424,850 | |
| 2025 | $9,088.00 (+1.64%) Homeowner's exemption | $801,106 (+49.73%) Land $375,669 Building $425,437 |
| 2024 | $8,941.00 (+39.25%) | |
| 2023 | $6,421.00 (+0.63%) | $535,027 Land $250,894 Building $284,133 |
| 2022 | $6,381.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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 |
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