1386 E Madison Ave, Unit 11, El Cajon, CA 92021 Property Records

San Diego County property record for 1386 E Madison Ave, Unit 11, El Cajon, CA 92021

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 814 sqft · built 1990
Lot Size	1.55 acres (67,575 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Feb 2020)
Tax Bill	$6,053 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`489-123-69-11`

Property Details

APN / Parcel Number

Primary APN	`489-123-69-11`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	814 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Lot Area	67,575 sqft

Location & Zoning

Street Address	1386 E MADISON AVE, 11
City	EL CAJON
State	CA
Zip	92021-8599
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 11PER DOC05-980467&UND INT IN TR 015160
Legal Subdivision	CITY/EL CAJON
Legal Tract	015160
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3007
Census Tract	16403

Owner

1386 E Madison Ave, Unit 11 is owned and occupied by an individual who bought it in February 2020.

Source: San Diego County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1386 E MADISON AVE, 11, EL CAJON, CA 92021-8599
Occupancy	Owner Occupied
Owner Type	Individual

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 11, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2020 · Amount on File
Deed Sale	Feb 19, 2020 · Amount on File
Prior Sale	Dec 11, 2008 · Amount on File
Deed Document Number	202083503
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 11, 2026
Property Address	1386 E MADISON AVE, 11, EL CAJON, CA 92021-8599
Document Number	0000265837
Instrument Date	Sep 4, 2026
Instrument	2026265837
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE, 11, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000265837,
Date	Sep 11, 2026
Instrument	2026265837

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 11, 11, EL CAJON, CA 92021-8599
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE II, II, EL CAJON, CA 92021-8544

Mortgage

Document Number	0000116933
Date	Mar 16, 2022
Instrument	2022-0116933

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 11, 11, EL CAJON, CA 92021-8599
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 11, 11, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000320124
Date	Apr 26, 2021
Instrument	2021-0320124

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 19, 2020
Property Address	1386 E MADISON AVE UNIT 11, 11, EL CAJON, CA 92021-8599
Document Number	0000083503
Map Reference	MAP 15160
Instrument Date	Jan 24, 2020
Instrument	2020-0083503
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

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	1386 E MADISON AVE UNIT 11, 11, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000083504
Date	Feb 19, 2020
Instrument	2020-0083504

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1386 E Madison Ave, Unit 11 was $6,053.

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		$256,564 (+2%) Land $103,450 Building $153,114
2025	$6,053.00	$251,534 Land $101,422 Building $150,112
2023	$2,928.00 (+1.56%)	$241,769 Land $97,485 Building $144,284
2022	$2,883.00

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

Flood

FEMA maps place 1386 E Madison Ave, Unit 11 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 1386 E Madison Ave, Unit 11 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 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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