8402 Roy St, Lemon Grove, CA 91945 Property Records

San Diego County property record for 8402 Roy St, Lemon Grove, CA 91945

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,674 sqft · built 1958
Lot Size	0.204 acres (8,900 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Sep 2018)
Tax Bill	$8,170 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`503-440-01-00`

Property Details

APN / Parcel Number

Primary APN	`503-440-01-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,674 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	8,900 sqft (0.204 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8402 ROY ST
City	LEMON GROVE
State	CA
Zip	91945-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 7 TR 003301
Legal Subdivision	GOLDEN TERRACE
Legal Tract	003301
Legal Block	3
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3008
Census Tract	14001

Owner

8402 Roy St is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 24, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Apr 16, 2020	Deed of Trust, Mortgage · Conventional with PMI JMAC LENDING
Sep 21, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on File
Deed Sale	Sep 21, 2018 · Amount on File
Prior Sale	Sep 25, 2007 · Amount on File
Deed Document Number	2018396333
Prior Transfer Date	Mar 30, 2006
Prior Transfer Doc	0000236832
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8402 ROY ST, LEMON GROVE, CA 91945-2654

Mortgage

Document Number	0000127847
Date	Feb 18, 2021
Instrument	2021-0127847

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208379
Date	Apr 24, 2020
Instrument	2020-0208379

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Document Number	0000208378
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8402 ROY ST LEMON GROVE CA 919452654, LEMON GROVE, CA 91945-2654

Mortgage

Document Number	0000208378
Date	Apr 24, 2020
Instrument	208378

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2018
Property Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Document Number	0000396333
Map Reference	MAP 3301
Instrument Date	Aug 16, 2018
Instrument	2018-0396333
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8402 ROY ST, LEMON GROVE, CA 91945-2654
Investor	Possibly a Property Investor

Mortgage

Document Number	0000396334
Date	Sep 21, 2018
Instrument	2018-0396334

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8402 Roy St was $8,170.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Lemon Grove City
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Lemon Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$597,353 (+2%) Land $255,232 Building $342,121
2025	$8,170.00	$585,641 Land $250,228 Building $335,413
2023	$7,385.00 (+0.53%)	$562,902 Land $240,512 Building $322,390
2022	$7,346.00

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

Flood

FEMA maps place 8402 Roy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2016 · 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

The area around 8402 Roy St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 571 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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