1040 S 7th St, El Centro, CA 92243 Property Records

Imperial County property record for 1040 S 7th St, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,938 sqft · built 1916
Lot Size	0.29 acres (12,635 sqft)
Owner	Individual Name on Record
Tax Bill	$2,779 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-451-010-000`

Property Details

APN / Parcel Number

Primary APN	`053-451-010-000`
Alternative APNs	`0534511001` `05345110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,938 sqft Living Area

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	12,635 sqft (0.29 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1040 S 7TH ST
City	EL CENTRO
State	CA
Zip	92243-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 95.5 FT OF LOTS 1 & 2 ALSO E 5 FT OF LOT 3 SUB OF BLK 46
Legal Subdivision	EL CENTRO ADD 01
Legal Block	46
Legal Lot Number	1,2,3
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	4
Census Block	4018
Census Tract	11600

Owner

Source: Imperial County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Intrafamily Transfer, Transfer · FHA Mortgage SUMMIT FUNDING INC
Aug 31, 2021	Deed of Trust, Mortgage · Commercial Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 31, 2021	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024
Deed Sale	Nov 27, 2024
Prior Sale	Aug 31, 2021 · Amount on Record
Deed Document Number	202419137
Prior Transfer Date	Nov 7, 2024
Prior Transfer Doc	0000019137
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IMPERIAL CA
Recording Date	Sep 27, 2023
Property Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921
Document Number	0000014911
Map Reference	MB 4 PG 50
Instrument Date	Sep 22, 2023
Instrument	2023014911
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	1040 S 7TH ST, EL CENTRO, CA 92243-3921

Mortgage

Document Number	0000014912
Date	Sep 27, 2023
Instrument	2023014912

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921

Mortgage

Document Number	0000022648
Date	Aug 31, 2021
Instrument	2021022648

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Aug 31, 2021
Property Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921
Document Number	0000022645
Map Reference	MB 4 PG 50
Instrument Date	Aug 31, 2021
Instrument	2021022645
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S 7TH ST, EL CENTRO, CA 92243-3921

Mortgage

Document Number	0000022646
Date	Aug 31, 2021
Instrument	2021022646

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Mortgage

Document Number	0000022647
Date	Aug 31, 2021
Instrument	2021022647

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Imperial County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	California
County	Imperial County
Municipality	El Centro City
Secondary School District	Central Union High School District (09 - 12)
Elementary School District	El Centro Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$243,545 (+2%) Land $64,945 Building $178,600
2025	$2,779.00 (+2.81%)	$238,771 (+4.04%) Land $63,672 Building $175,099
2023	$2,703.00 (+7.01%)	$229,500 Land $61,200 Building $168,300
2022	$2,526.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023

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	CITY OF EL CENTRO serves 44,124 people · EPA ID CA1310004
Water Source	Purchased surface water from IMPERIAL IRRIGATION DISTRICT
Lead	Under 1 ppb (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 585 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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