1386 E Madison Ave, Unit 24, El Cajon, CA 92021 Property Records

San Diego County property record for 1386 E Madison Ave, Unit 24, 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	Individual Name on File
Last Sale	$69,500 (Aug 2009)
Tax Bill	$1,010 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`489-123-69-24`

Property Details

APN / Parcel Number

Primary APN	`489-123-69-24`

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, 24
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 24PER 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 24 is owned and occupied by an individual who bought it in August 2009.

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

Owner of Record	Individual Name on File
Mailing Address	1386 E MADISON AVE, 24, EL CAJON, CA 92021-8532
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
Apr 10, 2024	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRONTWAVE CU
Apr 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2009 · Amount on File
Deed Sale	Aug 21, 2009 · Amount on File
Deed Document Number	2009470643
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 24, 24, EL CAJON, CA 92021-8532
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 24, 24, EL CAJON, CA 92021-8532

Mortgage

Document Number	0000089008
Date	Apr 10, 2024
Instrument	2024-0089008

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 24, 24, EL CAJON, CA 92021-8532
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 24, 24, EL CAJON, CA 92021-8532

Mortgage

Document Number	0000588704
Date	Aug 18, 2021
Instrument	2021-0588704

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 24, 24, EL CAJON, CA 92021-8532
Document Number	0000165880
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE #24 EL CAJON CA 920218532, 24, EL CAJON, CA 92021-8532

Mortgage

Document Number	0000165880
Date	May 3, 2019
Instrument	165880

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 2, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1386 E Madison Ave, Unit 24 was $1,010 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		$91,492 (+2%) Land $26,325 Building $65,167
2025	$1,010.00 Homeowner's exemption	$89,699 Land $25,809 Building $63,890
2023	$986.00 (+1.75%) Homeowner's exemption	$86,217 Land $24,807 Building $61,410
2022	$969.00

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

Flood

FEMA maps place 1386 E Madison Ave, Unit 24 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 24 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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