1229 E Madison Ave, El Cajon, CA 92021 Property Records

San Diego County property record for 1229 E Madison Ave, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 440 sqft · built 1947
Lot Size	0.161 acres (7,028 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (May 2026)
Tax Bill	$6,590 (2025)
Deeds & Mortgages	Aug 2024 Second Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`489-161-03-00`

Property Details

APN / Parcel Number

Primary APN	`489-161-03-00`
Alternative APN	`4891608200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	440 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	7,028 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	4891608200
Street Address	1229 E MADISON AVE
City	EL CAJON
State	CA
Zip	92021-6424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	BLK 9 LOT 5 DOC98495REC68 IN TR 000355
Legal Subdivision	RANCHO EL CAJON
Legal Tract	000355
Legal Block	9
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	15701

Owner

1229 E Madison Ave is owned and occupied by an individual who bought it in May 2026.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 19, 2026	Grant Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC.
Dec 2, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 6, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on File
Deed Sale	May 19, 2026 · Amount on File
Prior Sale	Dec 2, 2021 · Amount on File
Deed Document Number	2026143188
Prior Transfer Date	May 28, 1997
Prior Transfer Doc	0000264867
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424

Mortgage

Document Number	0000206390
Date	Aug 5, 2024
Instrument	2024-0206390

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2039

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2026
Property Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424
Document Number	0000143188
Instrument Date	Apr 14, 2026
Instrument	2026.143188
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	STOCKDALE TITLE COMPANY, SOCAL TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,993.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424

Mortgage

Document Number	0000143189,
Date	May 19, 2026
Instrument	2026..143189

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC.

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2021
Property Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424
Document Number	0000822696
Map Reference	MAP 355
Instrument Date	Nov 8, 2021
Instrument	2021-0822696
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CALIFORNIA HALL TITLE, CALIFORNIA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424

Mortgage

Document Number	0000822697
Date	Dec 2, 2021
Instrument	2021-0822697

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 6, 2021
Property Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424
Document Number	0000562312
Instrument Date	Jul 26, 2021
Instrument	2021-0562312
Transaction Type	Transfer
Record Updated	Aug 18, 2021

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
Address	1229 E MADISON AVE, EL CAJON, CA 92021-6424

Tax Assessment & Valuation

The 2025 property tax bill for 1229 E Madison Ave was $6,590.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$511,448 (+2%) Land $324,729 Building $186,719
2025	$6,590.00	$501,420 Land $318,362 Building $183,058
2023	$6,512.00 (+21.88%)	$481,950 Land $306,000 Building $175,950
2022	$5,343.00

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

Flood

FEMA maps place 1229 E Madison Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1229 E Madison Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 647 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, T-Mobile, Wyyerd Connect.

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