128 S 3rd St, El Cajon, CA 92019 Property Records

San Diego County property record for 128 S 3rd St, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,648 sqft · built 1991
Lot Size	0.55 acres (2,387 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Nov 2012)
Tax Bill	$3,352 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`511-520-28-00`

Property Details

APN / Parcel Number

Primary APN	`511-520-28-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,648 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	2,387 sqft (0.55 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	128 S 3RD ST
City	EL CAJON
State	CA
Zip	92019-2081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 1 TR 012672
Legal Subdivision	GRANITE HILLS
Legal Tract	012672
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	15601

Owner

128 S 3rd St is owned and occupied by two individuals who bought it in November 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 S 3RD ST, EL CAJON, CA 92019-2081
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
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 14, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2012 · Amount on File
Deed Sale	Nov 30, 2012 · Amount on File
Prior Sale	Jul 31, 2002 · Amount on File
Deed Document Number	2012750080
Prior Transfer Date	Jun 19, 2007
Prior Transfer Doc	0000451437
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2026
Property Address	128 S 3RD ST, EL CAJON, CA 92019-2081
Document Number	0000271979
Instrument Date	Sep 12, 2026
Instrument	2026271979
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 S 3RD ST, EL CAJON, CA 92019-2081

Mortgage

Document Number	0000271979,
Date	Sep 17, 2026
Instrument	2026271979

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	128 S 3RD ST, EL CAJON, CA 92019-2081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 S 3RD ST, EL CAJON, CA 92019-2081

Mortgage

Document Number	0000215586
Date	Aug 14, 2024
Instrument	2024-0215586

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2034

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	128 S 3RD ST, EL CAJON, CA 92019-2081
Document Number	0000325909
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 S 3RD ST EL CAJON CA 920192081, EL CAJON, CA 92019-2081

Mortgage

Document Number	0000325909
Date	Aug 9, 2018
Instrument	325909

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 128 S 3rd St was $3,352 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		$295,160 (+2%) Land $113,037 Building $182,123
2025	$3,352.00 Homeowner's exemption	$289,373 Land $110,821 Building $178,552
2023	$3,282.00 (+1.64%) Homeowner's exemption	$278,138 Land $106,519 Building $171,619
2022	$3,229.00

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

Flood

FEMA maps place 128 S 3rd St 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 128 S 3rd St 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 99.8% of the US · lower than 99.8% 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 740 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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