1265 E Madison Ave, El Cajon, CA 92021 Property Records

San Diego County property record for 1265 E Madison Ave, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,424 sqft · built 1956
Lot Size	0.13 acres (5,670 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jul 2021)
Tax Bill	$8,139 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`489-162-03-00`

Property Details

APN / Parcel Number

Primary APN	`489-162-03-00`
Alternative APN	`4891602400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,670 sqft (0.13 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	4891602400
Street Address	1265 E MADISON AVE
City	EL CAJON
State	CA
Zip	92021-6416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	BLK 9 LOT 7 & ST CLSD ADJ IN POR TR 000355
Legal Subdivision	EL CAJON ACRES
Legal Tract	000355
Legal Block	9
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4003
Census Tract	15701

Owner

1265 E Madison Ave is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416
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
Aug 4, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage GUILD MORTGAGE CO
Jul 7, 2021	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Aug 31, 2012 · Amount on File
Deed Document Number	2021488618
Prior Transfer Date	Apr 14, 2010
Prior Transfer Doc	0000280036
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416

Mortgage

Document Number	0000212378
Date	Aug 4, 2023
Instrument	2023-0212378

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Aug 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416

Mortgage

Document Number	0000488621
Date	Jul 7, 2021
Instrument	2021-0488621

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 7, 2021
Property Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416
Document Number	0000488618
Map Reference	MAP 355
Instrument Date	Jun 23, 2021
Instrument	2021-0488618
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	1265 E MADISON AVE, EL CAJON, CA 92021-6416

Mortgage

Document Number	0000488619
Date	Jul 7, 2021
Instrument	2021-0488619

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0000488620
Date	Jul 7, 2021
Instrument	2021-0488620

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1265 E Madison Ave was $8,139.

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		$595,337 (+2%) Land $324,729 Building $270,608
2025	$8,139.00	$583,664 Land $318,362 Building $265,302
2023	$7,652.00 (-0.89%)	$561,000 Land $306,000 Building $255,000
2022	$7,721.00

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

Flood

FEMA maps place 1265 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 1265 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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