1386 E Madison Ave, Unit 15, El Cajon, CA 92021 Property Records

San Diego County property record for 1386 E Madison Ave, Unit 15, 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	2 Individual Names on File
Last Sale	$435,000 (May 2023)
Tax Bill	$5,260 (2025)
Deeds & Mortgages	Mar 2024 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`489-123-69-15`

Property Details

APN / Parcel Number

Primary APN	`489-123-69-15`

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, 15
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 15PER DOC05-980467&UND INT IN TR 015160
Legal Subdivision	1386 EAST MADISON
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 15 is owned and occupied by two individuals who bought it in May 2023.

Source: San Diego County records, as of August 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1386 E MADISON AVE, 15, EL CAJON, CA 92021-8599
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
Mar 8, 2024	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 4, 2021	Deed of Trust, Mortgage · Commercial Mortgage CALIBER HOME LOANS INC
May 19, 2023	Grant Deed, Transfer · VA Mortgage MORTGAGEONE INC
May 4, 2021	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	May 4, 2021 · Amount on File
Deed Document Number	2023131393
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 15, 15, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000058635
Date	Mar 8, 2024
Instrument	2024-0058635

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 15, 15, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000344640
Date	May 4, 2021
Instrument	2021-0344640

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2023
Property Address	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599
Document Number	0000131393
Map Reference	MAP 15160
Instrument Date	Apr 24, 2023
Instrument	2023-0131393
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000131394
Date	May 19, 2023
Instrument	2023-0131394

Lender

Name	MORTGAGEONE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2021
Property Address	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599
Document Number	0000344637
Map Reference	MAP 15160
Instrument Date	Apr 29, 2021
Instrument	2021-0344637
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

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	1386 E MADISON AVE UNIT 15, 15, EL CAJON, CA 92021-8599

Mortgage

Document Number	0000344638
Date	May 4, 2021
Instrument	2021-0344638

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000344639
Date	May 4, 2021
Instrument	2021-0344639

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1386 E Madison Ave, Unit 15 was $5,260 with a homeowner's exemption, down 2.2% from the year before.

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		$461,622 (+2%) Land $186,138 Building $275,484
2025	$5,260.00 (-2.16%) Homeowner's exemption	$452,572 Land $182,489 Building $270,083
2024	$5,376.00 (+33.83%)
2023	$4,017.00 (+1.57%)	$332,926 Land $134,244 Building $198,682
2022	$3,955.00

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

Flood

FEMA maps place 1386 E Madison Ave, Unit 15 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 15 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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