974 Denise Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 974 Denise Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1959
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Mar 2011)
Tax Bill	$5,010 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493-191-08-00`

Property Details

APN / Parcel Number

Primary APN	`493-191-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	6,100 sqft (0.14 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	974 DENISE LN
City	EL CAJON
State	CA
Zip	92020-6417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 184 TR 003752
Legal Subdivision	ALLENWOOD
Legal Tract	003752
Legal Block	1
Legal Lot Number	184
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	15301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	974 DENISE LN, EL CAJON, CA 92020-6417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CABRILLO CU
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CABRILLO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2011 · Amount on Record
Deed Sale	Mar 11, 2011 · Amount on Record
Prior Sale	Oct 21, 1985 · Amount on Record
Deed Document Number	2011132722
Last Transfer Date	Mar 13, 2015
Transfer Doc	0000126923
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	974 DENISE LN, EL CAJON, CA 92020-6417
Transaction Type	Mortgage
Record Updated	Dec 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 DENISE LN, EL CAJON, CA 92020-6417

Mortgage

Document Number	0000346672
Date	Dec 18, 2023
Instrument	2023-0346672

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Nov 28, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	974 DENISE LN, EL CAJON, CA 92020-6417
Document Number	0000652929
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	974 DENISE LN EL CAJON CA 920206417, EL CAJON, CA 92020-6417

Mortgage

Document Number	0000652929
Date	Oct 23, 2020
Instrument	652929

Lender

Name	CABRILLO CU
Address	SAN DIEGO, CA 92131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

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		$372,424 (+2%) Land $173,799 Building $198,625
2025	$5,010.00 (+3.43%) Homeowner's exemption	$365,123 (+4.04%) Land $170,392 Building $194,731
2023	$4,844.00 (+5.88%) Homeowner's exemption	$350,946 Land $163,776 Building $187,170
2022	$4,575.00

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

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

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 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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