San Diego County property record for 643 Lingel Dr, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,644 sqft · built 2016 |
| Lot Size | 0.267 acres (11,651 sqft) |
| Owner | Company Name on Record |
| Last Sale | $450,000 (Feb 2019) |
| Tax Bill | $5,795 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Sep 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 399-270-48-00 |
| Primary APN | 399-270-48-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,644 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Lot Area | 11,651 sqft (0.267 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 643 LINGEL DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-1448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | BLK 29 LOT 45 PAR B PER D08-234358 IN LOTS 42 THRU 44&IN TR 002006 |
| Legal Subdivision | HARBISON CANYON |
| Legal Tract | 002006 |
| Legal Block | 29 |
| Legal Lot Number | 42-45 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 15502 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 9, 2021 | Intrafamily Transfer, Transfer |
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Feb 1, 2019 | Grant Deed, Transfer · Conventional with PMI BAY EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2019 · Amount on Record |
| Deed Sale | Feb 1, 2019 · Amount on Record |
| Prior Sale | Jan 2, 2015 · Amount on Record |
| Deed Document Number | 201938767 |
| Last Transfer Date | Sep 3, 2021 |
| Transfer Doc | 0000638608 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Document Number | 0000866200 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021-0866200 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30328 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 9, 2021 |
| Property Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Document Number | 0000638608 |
| Map Reference | MAP 2006 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021-0638608 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Document Number | 0000759041 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 643 LINGEL DR EL CAJON CA 920191448, EL CAJON, CA 92019-1448 |
| Document Number | 0000759041 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 759041 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 1, 2019 |
| Property Address | 643 LINGEL DR, EL CAJON, CA 92019-1448 |
| Document Number | 0000038767 |
| Instrument Date | Jan 30, 2019 |
| Instrument | 38767 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| 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 | $495.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 LINGEL DR EL CAJON CA 920191448, EL CAJON, CA 92019-1448 |
| Document Number | 38768 |
|---|---|
| Date | Feb 1, 2019 |
| Instrument | 38768 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
Source: San Diego County assessment roll, as of July 21, 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 | $512,016 (+2%) Land $95,520 Building $416,496 | |
| 2025 | $5,795.00 (-0.16%) | $501,978 (+4.04%) Land $93,648 Building $408,330 |
| 2023 | $5,804.00 (+0.64%) | $482,487 Land $90,012 Building $392,475 |
| 2022 | $5,767.00 |
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 | Very High above 91% of the US · above 74% 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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