1386 E Madison Ave, Unit 20, El Cajon, CA 92021 Property Records

San Diego County property record for 1386 E Madison Ave, Unit 20, El Cajon, CA 92021

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 564 sqft · built 1990
Lot Size	1.55 acres (67,575 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2023)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`489-123-69-20`

Property Details

APN / Parcel Number

Primary APN	`489-123-69-20`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	564 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, 20
City	EL CAJON
State	CA
Zip	92021-8532
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 20PER 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 20 is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1386 E MADISON AVE, 20, EL CAJON, CA 92021-8532
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
May 18, 2023	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Jun 28, 2022	Grant Deed, Transfer · FHA Mortgage CORNERSTONE FIRST MORTGAGE INC
Aug 15, 2019	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Apr 3, 2017	Quit Claim Deed, Transfer LAWYERS TITLE
Apr 3, 2017	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Jun 28, 2022 · Amount on File
Deed Document Number	2023131261
Prior Transfer Date	Mar 29, 2017
Prior Transfer Doc	0000147987
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2023
Property Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532
Document Number	0000131261
Map Reference	MAP 15160
Instrument Date	Apr 28, 2023
Instrument	2023-0131261
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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
Relationship	Joint Tenants
Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532

Mortgage

Document Number	0000131262
Date	May 18, 2023
Instrument	2023-0131262

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

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

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2022
Property Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532
Document Number	0000266162
Map Reference	MAP 15160
Instrument Date	Jun 20, 2022
Instrument	2022-0266162
Transaction Type	Transfer
Record Updated	Jul 7, 2022
Title Company	PRIORITY TITLE

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 20, 20, EL CAJON, CA 92021-8532

Mortgage

Document Number	0000266163
Date	Jun 28, 2022
Instrument	2022-0266163

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 15, 2019
Property Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532
Document Number	0000346979
Instrument Date	Aug 12, 2019
Instrument	346979
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$218.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE EL CAJON CA 920218544, EL CAJON, CA 92021-8544

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2017
Property Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532
Document Number	0000147987
Instrument Date	Mar 29, 2017
Instrument	147987
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 E PALOMAR ST #909 CHULA VISTA CA 919116984, 909, CHULA VISTA, CA 91911-6984

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2017
Property Address	1386 E MADISON AVE UNIT 20, 20, EL CAJON, CA 92021-8532
Document Number	0000147988
Instrument Date	Mar 22, 2017
Instrument	147988
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$171.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	938 VISTA DEL MONTE WAY EL CAJON CA 920206829, EL CAJON, CA 92020-6829

Tax Assessment & Valuation

The 2025 property tax bill for 1386 E Madison Ave, Unit 20 was $4,306.

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		$371,420 (+2%) Land $156,904 Building $214,516
2025	$4,306.00	$364,138 Land $153,828 Building $210,310
2023	$3,660.00 (+46.4%)	$303,000 Land $128,000 Building $175,000
2022	$2,500.00

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

Flood

FEMA maps place 1386 E Madison Ave, Unit 20 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 20 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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