8409 Roy St, Lemon Grove, CA 91945 Property Records

San Diego County property record for 8409 Roy St, Lemon Grove, CA 91945

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,685 sqft · built 1957
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Company Names on File
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`503-440-11-00`

Property Details

APN / Parcel Number

Primary APN	`503-440-11-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	8409 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 5 TR 003301
Legal Subdivision	GOLDEN TERRACE
Legal Tract	003301
Legal Block	3
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3008
Census Tract	14001

Owner

8409 Roy St is owned by a company that acquired it in October 1993.

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

Owner of Record	2 Company Names on File
Mailing Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Owner Type	Company
Vesting	Life Tenant

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
Sep 30, 2025	Intrafamily Transfer, Transfer
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit MY POINT CU SD
Jul 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINTIY LLC
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 5, 1993
Transfer Doc	0000721150
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2025
Property Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Document Number	0000271692
Instrument Date	Sep 29, 2025
Instrument	2025-0271692
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	8409 ROY ST, LEMON GROVE, CA 91945-2654

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8409 ROY ST, LEMON GROVE, CA 91945-2654

Mortgage

Document Number	0000169551
Date	Apr 19, 2022
Instrument	2022-0169551

Lender

Name	MY POINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000344508
Date	Jul 31, 2017
Instrument	2017-0344508

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000281684
Date	Jul 15, 2019
Instrument	2019-0281684

Lender

Name	GUARANTEED RATE AFFINTIY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	8409 ROY ST, LEMON GROVE, CA 91945-2654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190851
Date	Apr 15, 2020
Instrument	2020-0190851

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 8409 Roy St was $2,678.

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		$163,976 (+2%) Land $60,041 Building $103,935
2025	$2,678.00 Homeowner's exemption	$160,762 Land $58,864 Building $101,898
2023	$2,452.00 (+0.53%) Homeowner's exemption	$154,521 Land $56,579 Building $97,942
2022	$2,439.00

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

Flood

FEMA maps place 8409 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 8409 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.

Nearby Properties on Roy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures