San Diego County property record for 1004 Cosmo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,217 sqft · built 1961 |
| Lot Size | 0.17 acres (7,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Apr 2000) |
| Tax Bill | $4,953 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-264-12-00 |
| Primary APN | 514-264-12-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 2,217 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Lot Area | 7,400 sqft (0.17 acres) |
| Street Address | 1004 COSMO AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-3435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 69 TR 004435 |
| Legal Subdivision | ELLEN LANE PARK |
| Legal Tract | 004435 |
| Legal Block | 1 |
| Legal Lot Number | 69 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 15405 |
1004 Cosmo Ave is owned and occupied by two individuals who bought it in April 2000.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 COSMO AVE, EL CAJON, CA 92019-3435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2000 · Amount on File |
| Deed Sale | Apr 14, 2000 · Amount on File |
| Deed Document Number | 2000192133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1004 COSMO AVE, EL CAJON, CA 92019-3435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1004 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000102219 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 2021-0102219 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1004 COSMO AVE, EL CAJON, CA 92019-3435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1004 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000505411 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 2020-0505411 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 1004 Cosmo Ave was $4,953 with a homeowner's exemption.
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 | $358,977 (+2%) Land $100,324 Building $258,653 | |
| 2025 | $4,953.00 Homeowner's exemption | $351,939 Land $98,357 Building $253,582 |
| 2023 | $4,809.00 (+3.62%) Homeowner's exemption | $338,275 Land $94,539 Building $243,736 |
| 2022 | $4,641.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1004 Cosmo Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.
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 Claims | 2 (2001–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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 risk around 1004 Cosmo Ave is low, with 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 | 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.
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 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wyyerd Connect Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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