San Diego County property record for 1097 Emerald Ave, El Cajon, CA 92020 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1959 |
| Square Footage | 1,508 sqft Living Area |
| Lot Size | 9,548 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $439,000 (2017) |
| Tax Bill | $6,619.00 (2025) |
Source: San Diego County records · APN 492-320-08-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1097 EMERALD AVE, EL CAJON, CA 92020-7313 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 02, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jun 07, 2017 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage COMMERCE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 07, 2017 · Amount on Record |
| Deed Sale | Jun 07, 2017 · Amount on Record |
| Prior Sale | Dec 30, 2016 · Amount on Record |
| Deed Doc Number | 2017255932 |
| Prior Transfer Date | Jan 01, 1998 |
| Prior Transfer Doc | 0000692819 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1097 EMERALD AVE, EL CAJON, CA 92020-7313 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1097 EMERALD AVE, EL CAJON, CA 92020-7313 |
| Document Number | 0000304122 |
|---|---|
| Date | Nov 02, 2023 |
| Instrument | 2023-0304122 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 284 Months |
| Due | Jul 01, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 07, 2017 |
| Property Address | 1097 EMERALD AVE, EL CAJON, CA 92020-7313 |
| Document Number | 0000255932 |
| Map Reference | MAP750 |
| Instrument Date | May 24, 2017 |
| Instrument | 2017-0255932 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1097 EMERALD AVE, EL CAJON, CA 92020-7313 |
| Document Number | 0000255933 |
|---|---|
| Date | Jun 07, 2017 |
| Instrument | 2017-0255933 |
| Name | COMMERCE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $520,743 (+2%) Land $287,781 Building $232,962 | |
| 2025 | $6,619.00 (-4.75%) | $510,534 (+4.04%) Land $282,139 Building $228,395 |
| 2024 | $6,949.00 (+1.71%) | |
| 2023 | $6,832.00 (+3.96%) | $490,711 Land $271,184 Building $219,527 |
| 2022 | $6,572.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 492-320-08-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,508 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Lot Area | 9,548 sqft (0.219 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 1097 EMERALD AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-7313 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BLK 2 LOT 26 POR TR 000750 |
| Legal Subdivision | RANCHO EL CAJON |
| Legal Tract | 000750 |
| Legal Block | 2 |
| Legal Lot Number | 26 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 4 |
| Census Block | 4002 |
| Census Tract | 15902 |
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