1386 E Madison Ave, Unit 46, El Cajon, CA 92021 Property Records

San Diego County property record for 1386 E Madison Ave, Unit 46, 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	$305,000 (Feb 2022)
Tax Bill	$3,750 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Sep 2017 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`489-123-69-46`

Property Details

APN / Parcel Number

Primary APN	`489-123-69-46`

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, 46
City	EL CAJON
State	CA
Zip	92021-8534
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 46PER DOC05-980467&UND INT IN TR 015160
Legal Subdivision	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 46 is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1386 E MADISON AVE, 46, EL CAJON, CA 92021-8534
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
Feb 23, 2022	Grant Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 29, 2017	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Nov 25, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jan 22, 2020	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE
Dec 27, 2019	Intrafamily Transfer, Transfer · Line of Credit FIRST REPUBLIC BANK
May 11, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2022 · Amount on File
Deed Sale	Feb 23, 2022 · Amount on File
Prior Sale	Jan 22, 2020 · Amount on File
Deed Document Number	202282138
Prior Transfer Date	Dec 20, 2019
Prior Transfer Doc	0000610138
Record Updated	Oct 29, 2026

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 23, 2022
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Document Number	0000082138
Map Reference	MAP 15160
Instrument Date	Feb 4, 2022
Instrument	2022-0082138
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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 46, 46, EL CAJON, CA 92021-8534

Mortgage

Document Number	0000082139
Date	Feb 23, 2022
Instrument	2022-0082139

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000449697
Date	Sep 29, 2017
Instrument	2017-0449697

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.2%
Type Change Date	Oct 1, 2027
Change Frequency	Monthly
Min Rate At Change	2.5%
Max Rate At Change	9.95%
Index	1-Month LIBOR

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000610158
Date	Dec 28, 2017
Instrument	2017-0610158

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 E MADISON AVE 46, 46, EL CAJON, CA 92021-8534

Mortgage

Document Number	0000753816
Date	Nov 25, 2020
Instrument	2020-0753816

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 22, 2020
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Document Number	0000034968
Instrument Date	Jan 7, 2020
Instrument	34968
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
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 #46 EL CAJON CA 920218534, 46, EL CAJON, CA 92021-8534

Mortgage

Document Number	34969
Date	Jan 22, 2020
Instrument	34969

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2050

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2019
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Document Number	0000610138
Map Reference	MAP 15160
Instrument Date	Dec 20, 2019
Instrument	2019-0610138
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 PROSPECT ST STE 320, 320, LA JOLLA, CA 92037-3660
Investor	Possibly a Property Investor

Mortgage

Document Number	0000610139
Date	Dec 27, 2019
Instrument	2019-0610139

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 26, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2017
Property Address	1386 E MADISON AVE UNIT 46, 46, EL CAJON, CA 92021-8534
Document Number	0000212847
Instrument Date	May 10, 2017
Instrument	212847
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$176.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	1200 PROSPECT ST #370 LA JOLLA CA 920373653, 370, LA JOLLA, CA 92037-3653
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1386 E Madison Ave, Unit 46 was $3,750 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		$330,137 (+2%) Land $132,230 Building $197,907
2025	$3,750.00 Homeowner's exemption	$323,665 Land $129,638 Building $194,027
2023	$3,673.00 (+33.13%) Homeowner's exemption	$311,099 Land $124,605 Building $186,494
2022	$2,759.00

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

Flood

FEMA maps place 1386 E Madison Ave, Unit 46 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 46 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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