San Diego County property record for 1079 Cosmo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,900 sqft · built 1961 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,000,000 (Nov 2025) |
| Tax Bill | $8,650 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-273-08-00 |
| Primary APN | 514-273-08-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,900 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1079 COSMO AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-3436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 85 TR 004435 |
| Legal Subdivision | ELLEN LANE PARK |
| Legal Tract | 004435 |
| Legal Block | 1 |
| Legal Lot Number | 85 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 15405 |
1079 Cosmo Ave is owner-occupied and held in a trust since November 2025.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 25, 2025 | Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Aug 2, 2017 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on File |
| Deed Sale | Nov 25, 2025 · Amount on File |
| Prior Sale | Aug 2, 2017 · Amount on File |
| Deed Document Number | 2025334915 |
| Prior Transfer Date | Sep 11, 2024 |
| Prior Transfer Doc | 0000249794 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Document Number | 0000104764 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 2021-0104764 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 25, 2025 |
| Property Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Document Number | 0000334915 |
| Map Reference | MAP 4435 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 2025-0334915 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Document Number | 0000334916 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 2025-0334916 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|
| Document Number | 0000372979 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 2019-0372979 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 2, 2017 |
| Property Address | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Document Number | 0000349927 |
| Map Reference | MAP4435 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 2017-0349927 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| 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 | 1079 COSMO AVE, EL CAJON, CA 92019-3436 |
| Document Number | 0000349928 |
|---|---|
| Date | Aug 2, 2017 |
| Instrument | 2017-0349928 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 1079 Cosmo Ave was $8,650.
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 | $999,999 (+50.23%) Land $550,000 Building $449,999 | |
| 2025 | $8,650.00 | $665,625 Land $398,238 Building $267,387 |
| 2023 | $8,398.00 (-0.19%) | $639,780 Land $382,775 Building $257,005 |
| 2022 | $8,414.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1079 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 1079 Cosmo Ave is low, with a 0.05% annual chance of wildfire.
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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