1516 W Elm Ave, El Centro, CA 92243 Property Records

Imperial County property record for 1516 W Elm Ave, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	1,803 sqft · built 1958
Lot Size	0.168 acres (7,327 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Aug 2021)
Tax Bill	$3,513 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052-092-021-000`

Property Details

APN / Parcel Number

Primary APN	`052-092-021-000`
Alternative APNs	`0520922101` `05209221`

Interior

Stories	1 Story
Building Area	1,803 sqft Living Area
1st Floor Area	1,803 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Wood
Lot Area	7,327 sqft (0.168 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	1516 W ELM AVE
City	EL CENTRO
State	CA
Zip	92243-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 BLK 3 WATERMAN VILLAGE FM 1 18
Legal Subdivision	WATERMAN VILLAGE
Legal Block	3
Legal Lot Number	31
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	2
Census Block	2004
Census Tract	11802

Owner

Source: Imperial County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1516 W ELM AVE, EL CENTRO, CA 92243-3134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 16, 2021	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Jul 26, 2010 · Amount on Record
Deed Document Number	202121240
Prior Transfer Date	Mar 23, 2001
Prior Transfer Doc	0000006830
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	1516 W ELM AVE, EL CENTRO, CA 92243-3134
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 W ELM AVE, EL CENTRO, CA 92243-3134

Mortgage

Document Number	0000021243
Date	Aug 16, 2021
Instrument	2021021243

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Aug 16, 2021
Property Address	1516 W ELM AVE, EL CENTRO, CA 92243-3134
Document Number	0000021240
Map Reference	MB 1 PG 18
Instrument Date	Jun 23, 2021
Instrument	2021021240
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1516 W ELM AVE, EL CENTRO, CA 92243-3134

Mortgage

Document Number	0000021241
Date	Aug 16, 2021
Instrument	2021021241

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Mortgage

Document Number	0000021242
Date	Aug 16, 2021
Instrument	2021021242

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Imperial County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	California
County	Imperial County
Municipality	El Centro City
Secondary School District	Central Union High School District (09 - 12)
Elementary School District	El Centro Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$308,491 (+6.12%) Land $64,945 Building $243,546
2025	$3,513.00 (+2.81%)
2023	$3,417.00 (+7.05%)	$290,700 Land $61,200 Building $229,500
2022	$3,192.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF EL CENTRO serves 44,124 people · EPA ID CA1310004
Water Source	Purchased surface water from IMPERIAL IRRIGATION DISTRICT
Lead	Under 1 ppb (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 556 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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