846 Ladysmith Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 846 Ladysmith Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,738 sqft · built 1976
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$121,500 (Apr 2019)
Tax Bill	$11,931 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-311-24-00`

Property Details

APN / Parcel Number

Primary APN	`493-311-24-00`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,738 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	9,000 sqft (0.207 acres)
View / Lot	Good
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	846 LADYSMITH DR
City	EL CAJON
State	CA
Zip	92020-7734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 69 TR 007968
Legal Subdivision	CHASE ESTATES
Legal Tract	007968
Legal Block	1
Legal Lot Number	69
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1006
Census Tract	15403

Owner

846 Ladysmith Dr is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734
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
Jan 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 5, 2019	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 16, 2019	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on File
Deed Sale	Apr 5, 2019 · Amount on File
Prior Sale	Jan 16, 2019 · Amount on File
Deed Document Number	2019121683
Last Transfer Date	Jan 25, 2021
Transfer Doc	0000071549
Record Updated	Oct 29, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 29, 2021
Property Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734
Document Number	0000071549
Map Reference	MAP 7968
Instrument Date	Jan 25, 2021
Instrument	2021-0071549
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

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	Joint Tenants
Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734

Mortgage

Document Number	0000071550
Date	Jan 29, 2021
Instrument	2021-0071550

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2019
Property Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734
Document Number	0000121683
Map Reference	MAP 7968
Instrument Date	Mar 27, 2019
Instrument	2019-0121683
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734

Mortgage

Document Number	0000121684
Date	Apr 5, 2019
Instrument	2019-0121684

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2019
Property Address	846 LADYSMITH DR, EL CAJON, CA 92020-7734
Document Number	0000018072
Map Reference	MAP 7968
Instrument Date	Dec 18, 2018
Instrument	2019-0018072
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

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	Joint Tenants
Address	346 JAMACHA RD, EL CAJON, CA 92019-2481

Mortgage

Document Number	0000018073
Date	Jan 16, 2019
Instrument	2019-0018073

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 846 Ladysmith Dr was $11,931 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	El Cajon City
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		$912,070 (+2%) Land $449,758 Building $462,312
2025	$11,931.00 Homeowner's exemption	$894,188 Land $440,940 Building $453,248
2023	$12,205.00 (+5.06%) Homeowner's exemption	$859,468 Land $423,819 Building $435,649
2022	$11,617.00

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

Flood

FEMA maps place 846 Ladysmith Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 846 Ladysmith Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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 278 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Wyyerd Connect.

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