San Diego County property record for 1082 Cosmo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 1961 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $532,000 (Dec 2018) |
| Tax Bill | $7,586 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-272-10-00 |
| Primary APN | 514-272-10-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,510 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1082 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 79 TR 004435 |
| Legal Subdivision | ELLEN LANE PARK |
| Legal Tract | 004435 |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 15405 |
1082 Cosmo Ave is owned and occupied by two individuals who bought it in December 2018.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1082 COSMO AVE, EL CAJON, CA 92019-3435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUNSTREET MORTGAGE LLC |
| Dec 7, 2018 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2018 · Amount on File |
| Deed Sale | Dec 7, 2018 · Amount on File |
| Prior Sale | Dec 21, 2011 · Amount on File |
| Deed Document Number | 2018505457 |
| Prior Transfer Date | Jan 22, 2015 |
| Prior Transfer Doc | 0000042919 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1082 COSMO AVE, EL CAJON, CA 92019-3435 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 1082 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000650424 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-0650424 |
| Name | SUNSTREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 7, 2018 |
| Property Address | 1082 COSMO AVE, EL CAJON, CA 92019-3435 |
| Document Number | 0000505457 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 505457 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | STEWART TITLE, STEWART TITLE/CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.20 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1082 COSMO AVE EL CAJON CA 920193435, EL CAJON, CA 92019-3435 |
| Document Number | 505458 |
|---|---|
| Date | Dec 7, 2018 |
| Instrument | 505458 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2048 |
The 2025 property tax bill for 1082 Cosmo Ave was $7,586 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 | $605,318 (+2%) Land $318,589 Building $286,729 | |
| 2025 | $7,586.00 Homeowner's exemption | $593,450 Land $312,343 Building $281,107 |
| 2023 | $7,895.00 (+5.56%) Homeowner's exemption | $570,408 Land $300,215 Building $270,193 |
| 2022 | $7,479.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1082 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 1082 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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