San Diego County property record for 1036 Cosmo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,064 sqft · built 1961 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Jul 2021) |
| Tax Bill | $8,391 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Sep 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-264-07-00 |
| Primary APN | 514-264-07-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,064 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Conventional |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 1036 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 74 TR 004435 |
| Legal Subdivision | ELLEN LANE PARK |
| Legal Tract | 004435 |
| Legal Block | 1 |
| Legal Lot Number | 74 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 15405 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 27, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 18, 2020 | Deed of Trust, Mortgage · VA Mortgage COMMERCE HOME MORTGAGE LLC |
| Oct 22, 2019 | Quit Claim Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SVCS |
| Feb 9, 2018 | Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Nov 9, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage GENESIS CAP MASTER FUND |
| Oct 26, 2017 | Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2021 · Amount on Record |
| Deed Sale | Jul 27, 2021 · Amount on Record |
| Prior Sale | Oct 22, 2019 |
| Deed Document Number | 2021534534 |
| Prior Transfer Date | Oct 15, 2019 |
| Prior Transfer Doc | 0000475892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 27, 2021 |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000534534 |
| Map Reference | MAP 4435 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021-0534534 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000534535 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021-0534535 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000549719 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-0549719 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 22, 2019 |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000475892 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 475892 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2019 |
| Title Company | NORTH AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1036 COSMO AVE EL CAJON CA 920193435, EL CAJON, CA 92019-3435 |
| Document Number | 475893 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 475893 |
| Name | WEST COAST FUNDING & REAL ESTATE SVCS |
|---|---|
| Type | Bank |
| Address | LA JOLLA, CA 92037 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 9, 2018 |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000054265 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 54265 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1036 COSMO AVE EL CAJON CA 920193435, EL CAJON, CA 92019-3435 |
| Document Number | 54266 |
|---|---|
| Date | Feb 9, 2018 |
| Instrument | 54266 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 8, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 9, 2017 |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 523832 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 20, 2018 |
| Title Company | PROVIDENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7826 BACKER RD SAN DIEGO CA 921263568, SAN DIEGO, CA 92126-3568 |
| Investor | Possibly a Property Investor |
| Document Number | 0000523832 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 523832 |
| Name | GENESIS CAP MASTER FUND |
|---|---|
| Type | Funding / Finance Company |
| Address | WOODLAND HILLS, CA 91367 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 26, 2017 |
| Property Address | 1036 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000500123 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 500123 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $390.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 123 CAMINO DE LA REINA #101S SAN DIEGO CA 921083006, 101S, SAN DIEGO, CA 92108-3006 |
| Investor | Possibly a Property Investor |
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 | $681,930 (+2%) Land $340,965 Building $340,965 | |
| 2025 | $8,391.00 (+1.4%) | $668,560 (+4.04%) Land $334,280 Building $334,280 |
| 2023 | $8,275.00 (+1.85%) | $642,600 Land $321,300 Building $321,300 |
| 2022 | $8,125.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.05% 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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