1274 Bernita Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 1274 Bernita Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,820 sqft · built 1977
Lot Size	0.62 acres (27,007 sqft)
Owner	Trust Name on File
Last Sale	$730,000 (Jul 2010)
Tax Bill	$10,988 (2025)
Deeds & Mortgages	Nov 2021 Transfer Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493-410-58-00`

Property Details

APN / Parcel Number

Primary APN	`493-410-58-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,820 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1274 BERNITA RD
City	EL CAJON
State	CA
Zip	92020-8209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	TCT A SEC 14-16-1W DOC75-158087 IN TR CC000262
Legal Range	01W
Legal Township	16
Legal Section	14
Legal Subdivision	RANCHO EL CAJON
Legal Tract	A
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	15403

Owner

1274 Bernita Rd is owner-occupied and held in a trust since July 2010.

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

Owner of Record	Trust Name on File
Mailing Address	1274 BERNITA RD, EL CAJON, CA 92020-8209
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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 24, 2021	Intrafamily Transfer, Transfer CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO
Nov 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SAN DIEGO FIREFIGHTERS FCU
Nov 24, 2021	Intrafamily Transfer, Transfer CALIFORNIA MEMBERS TITLE CO
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2010 · Amount on File
Deed Sale	Jul 7, 2010 · Amount on File
Prior Sale	Jun 20, 1986 · Amount on File
Deed Document Number	2010339735
Prior Transfer Date	Nov 3, 1995
Prior Transfer Doc	0000536593
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2021
Property Address	1274 BERNITA RD, EL CAJON, CA 92020-8209
Document Number	0000806867
Instrument Date	Nov 17, 2021
Instrument	2021-0806867
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

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	1274 BERNITA RD, EL CAJON, CA 92020-8209

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2021
Property Address	1274 BERNITA RD, EL CAJON, CA 92020-8209
Document Number	0000806868
Instrument Date	Nov 17, 2021
Instrument	2021-0806868
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

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	1274 BERNITA RD, EL CAJON, CA 92020-8209

Mortgage

Document Number	0000806869
Date	Nov 24, 2021
Instrument	2021-0806869

Lender

Name	SAN DIEGO FIREFIGHTERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2021
Property Address	1274 BERNITA RD, EL CAJON, CA 92020-8209
Document Number	0000806870
Instrument Date	Nov 17, 2021
Instrument	2021-0806870
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CALIFORNIA MEMBERS TITLE CO

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
Relationship	Living Trust
Address	1274 BERNITA RD, EL CAJON, CA 92020-8209

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1274 BERNITA RD, EL CAJON, CA 92020-8209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1274 BERNITA RD, EL CAJON, CA 92020-8209

Mortgage

Document Number	0000562835
Date	Sep 23, 2020
Instrument	2020-0562835

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1274 Bernita Rd was $10,988.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$953,950 (+2%) Land $154,432 Building $799,518
2025	$10,988.00	$935,246 Land $151,404 Building $783,842
2023	$10,773.00 (+1.58%)	$898,931 Land $145,526 Building $753,405
2022	$10,605.00

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

Flood

FEMA maps place 1274 Bernita 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 1274 Bernita 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 238 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
AT&T DSL	100 / 20

May also be available: Wyyerd Connect.

Cell Coverage

5G (outdoors only) and 4G LTE

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