San Diego County property record for 862 Denise Ln, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 1959 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $860,000 (Apr 2025) |
| Tax Bill | $7,295 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493-082-13-00 |
| Primary APN | 493-082-13-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,524 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Conventional |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 862 DENISE LN |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-6415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 149 TR 003752 |
| Legal Subdivision | ALLENWOOD |
| Legal Tract | 003752 |
| Legal Block | 1 |
| Legal Lot Number | 149 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 15301 |
862 Denise Ln is owner-occupied and held in a trust since April 2025.
Source: San Diego County records, as of October 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 862 DENISE LN, EL CAJON, CA 92020-6415 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on File |
| Deed Sale | Apr 15, 2025 · Amount on File |
| Prior Sale | Dec 20, 2024 · Amount on File |
| Deed Document Number | 202597003 |
| Prior Transfer Date | Nov 8, 2001 |
| Prior Transfer Doc | 0000837172 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 862 DENISE LN, EL CAJON, CA 92020-6415 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 862 DENISE LN, EL CAJON, CA 92020-6415 |
| Document Number | 0000840454 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021-0840454 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 862 Denise Ln was $7,295.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $877,199 (+51.24%) Land $457,669 Building $419,530 | |
| 2025 | $7,295.00 | $580,000 Land $302,609 Building $277,391 |
| 2023 | $5,971.00 (-0.35%) Homeowner's exemption | $471,449 Land $245,974 Building $225,475 |
| 2022 | $5,992.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 862 Denise Ln 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.
The area around 862 Denise Ln 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 740 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.
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