720 Terra Ln, El Cajon, CA 92019 Property Records

San Diego County property record for 720 Terra Ln, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,328 sqft · built 1961
Lot Size	0.347 acres (15,100 sqft)
Owner	2 Trust Names on File
Last Sale	$1,045,000 (Jul 2022)
Tax Bill	$12,768 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`511-101-04-00`

Property Details

APN / Parcel Number

Primary APN	`511-101-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	15,100 sqft (0.347 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	720 TERRA LN
City	EL CAJON
State	CA
Zip	92019-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 19 TR 003739
Legal Subdivision	COSGROVES MANOR
Legal Tract	003739
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	16403

Owner

720 Terra Ln is owner-occupied and held in a trust since October 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	720 TERRA LN, EL CAJON, CA 92019-1059
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 1, 2022	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on File
Deed Sale	Jul 1, 2022 · Amount on File
Prior Sale	Dec 11, 1992 · Amount on File
Deed Document Number	2022272333
Last Transfer Date	Oct 29, 2024
Transfer Doc	0000308892
Record Updated	Sep 20, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 1, 2022
Property Address	720 TERRA LN, EL CAJON, CA 92019-1059
Document Number	0000272333
Map Reference	MAP 3739
Instrument Date	Jun 6, 2022
Instrument	2022-0272333
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transaction

Amount	Amount on Record
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	720 TERRA LN, EL CAJON, CA 92019-1059

Mortgage

Document Number	0000272334
Date	Jul 1, 2022
Instrument	2022-0272334

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	720 TERRA LN, EL CAJON, CA 92019-1059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142062
Date	Mar 18, 2020
Instrument	2020-0142062

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	720 TERRA LN, EL CAJON, CA 92019-1059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 TERRA LN, EL CAJON, CA 92019-1059

Mortgage

Document Number	0000804415
Date	Dec 15, 2020
Instrument	2020-0804415

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 720 Terra Ln was $12,768.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$1,108,961 (+2%) Land $636,724 Building $472,237
2025	$12,768.00	$1,087,218 Land $624,240 Building $462,978
2023	$11,490.00 (+189.79%)	$959,000 Land $550,000 Building $409,000
2022	$3,965.00

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

Flood

FEMA maps place 720 Terra Ln in Zone X, an area of minimal flood risk.

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	4 in force

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 720 Terra Ln 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 66% of the US · lower than 80% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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