744 Terra Ln, El Cajon, CA 92019 Property Records

San Diego County property record for 744 Terra Ln, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,150 sqft · built 1958
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Company Names on Record
Last Sale	$690,000 (Nov 2020)
Tax Bill	$8,700 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`511-101-01-00`

Property Details

APN / Parcel Number

Primary APN	`511-101-01-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,150 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	744 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 16 TR 003739
Legal Subdivision	COSGROVES MANOR
Legal Tract	003739
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	16403

Owner

Source: San Diego County records, as of September 9, 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	744 TERRA LN, EL CAJON, CA 92019-1059
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Affidavit, Transfer
Aug 27, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Nov 13, 2020	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Nov 13, 2020	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	2020714533
Last Transfer Date	Aug 20, 2026
Transfer Doc	0000253065
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2026
Property Address	744 TERRA LN, EL CAJON, CA 92019-1059
Document Number	0000253065
Instrument Date	Aug 20, 2026
Instrument	2026253065
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 TERRA LN, EL CAJON, CA 92019-1059

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2026
Property Address	744 TERRA LN, EL CAJON, CA 92019-1059
Document Number	0000253066
Instrument Date	Feb 11, 2025
Instrument	2026253066
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	744 TERRA LN, EL CAJON, CA 92019-1059

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	744 TERRA LN, EL CAJON, CA 92019-1059
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 TERRA LANE, SAN DIEGO, CA 92109

Mortgage

Document Number	0000592644
Date	Aug 19, 2021
Instrument	2021-0592644

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2020
Property Address	744 TERRA LN, EL CAJON, CA 92019-1059
Document Number	0000714533
Map Reference	MAP 3739
Instrument Date	Nov 2, 2020
Instrument	2020-0714533
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	744 TERRA LN, EL CAJON, CA 92019-1059

Mortgage

Document Number	0000714534
Date	Nov 13, 2020
Instrument	2020-0714534

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2020
Property Address	744 TERRA LN, EL CAJON, CA 92019-1059
Document Number	0000714532
Instrument Date	Nov 2, 2020
Instrument	714532
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1794 PRIMROSE DR EL CAJON CA 920205649, EL CAJON, CA 92020-5649

Tax Assessment & Valuation

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		$761,814 (+2%) Land $419,550 Building $342,264
2025	$8,700.00 (+2.04%) Homeowner's exemption	$746,877 (+4.04%) Land $411,324 Building $335,553
2023	$8,526.00 (+1.61%) Homeowner's exemption	$717,876 Land $395,352 Building $322,524
2022	$8,391.00

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
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

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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