1240 Andover Rd, El Cajon, CA 92019 Property Records

San Diego County property record for 1240 Andover Rd, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 945 sqft · built 1952
Lot Size	0.243 acres (10,600 sqft)
Owner	2 Individual Names on File
Last Sale	$438,000 (Jul 2019)
Tax Bill	$6,714 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`489-321-05-00`

Property Details

APN / Parcel Number

Primary APN	`489-321-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	945 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	10,600 sqft (0.243 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1240 ANDOVER RD
City	EL CAJON
State	CA
Zip	92019-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 72 TR 002778
Legal Subdivision	CAJON VILLAS
Legal Tract	002778
Legal Block	2
Legal Lot Number	72
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	15704

Owner

1240 Andover Rd is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1240 ANDOVER RD, EL CAJON, CA 92019-2247
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage PACIFIC LENDING LLC
Jul 25, 2019	Grant Deed, Transfer · FHA Mortgage PACIFIC LNDG
Dec 19, 2018	Grant Deed, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Dec 19, 2018 · Amount on File
Deed Document Number	2019304654
Prior Transfer Date	Nov 23, 2009
Prior Transfer Doc	0000305795
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1240 ANDOVER RD, EL CAJON, CA 92019-2247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 ANDOVER RD, EL CAJON, CA 92019-2247

Mortgage

Document Number	0000710448
Date	Nov 12, 2020
Instrument	2020-0710448

Lender

Name	PACIFIC LENDING LLC
Type	Mortgage Company
Address	ONTARIO, CA 91764

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 25, 2019
Property Address	1240 ANDOVER RD, EL CAJON, CA 92019-2247
Document Number	0000304654
Instrument Date	Jun 27, 2019
Instrument	304654
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1240 ANDOVER RD EL CAJON CA 920192247, EL CAJON, CA 92019-2247

Mortgage

Document Number	304655
Date	Jul 25, 2019
Instrument	304655

Lender

Name	PACIFIC LNDG
Address	IRVINE, CA 92606

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 19, 2018
Property Address	1240 ANDOVER RD, EL CAJON, CA 92019-2247
Document Number	0000520032
Instrument Date	Dec 14, 2018
Instrument	520032
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Amount	Amount on Record
Tax	$370.15
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 ANDOVER RD EL CAJON CA 920192247, EL CAJON, CA 92019-2247

Tax Assessment & Valuation

The 2025 property tax bill for 1240 Andover Rd was $6,714 with a homeowner's exemption.

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		$488,591 (+2%) Land $290,031 Building $198,560
2025	$6,714.00 Homeowner's exemption	$479,012 Land $284,345 Building $194,667
2023	$6,444.00 (+4.19%) Homeowner's exemption	$460,412 Land $273,304 Building $187,108
2022	$6,185.00

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

Flood

FEMA maps place 1240 Andover Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 1240 Andover Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 745 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

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

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