1547 Heron Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 1547 Heron Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,543 sqft · built 1981
Lot Size	0.321 acres (13,976 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Mar 2017)
Tax Bill	$9,939 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`482-441-47-00`

Property Details

APN / Parcel Number

Primary APN	`482-441-47-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,543 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	13,976 sqft (0.321 acres)
View / Lot	Good
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1547 HERON AVE
City	EL CAJON
State	CA
Zip	92020-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 23 TR 009351
Legal Subdivision	FLETCHER TERRACE
Legal Tract	009351
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	16201

Owner

1547 Heron Ave is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1547 HERON AVE, EL CAJON, CA 92020-8810
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 28, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Aug 5, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 16, 2017	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2017	Grant Deed, Transfer · VA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2017 · Amount on File
Deed Sale	Mar 2, 2017 · Amount on File
Prior Sale	Apr 16, 2013
Deed Document Number	201798942
Prior Transfer Date	Dec 17, 1993
Prior Transfer Doc	0000866798
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 28, 2026
Property Address	1547 HERON AVE, EL CAJON, CA 92020-8810
Document Number	0000152446
Instrument Date	May 20, 2026
Instrument	2026152446
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 HERON AVE, EL CAJON, CA 92020-8810

Mortgage

Document Number	0000152446,
Date	May 28, 2026
Instrument	2026152446

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.23%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1547 HERON AVE, EL CAJON, CA 92020-8810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000434135
Date	Aug 5, 2020
Instrument	2020-0434135

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1547 HERON AVE, EL CAJON, CA 92020-8810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000478854
Date	Oct 16, 2017
Instrument	2017-0478854

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2017
Property Address	1547 HERON AVE, EL CAJON, CA 92020-8810
Document Number	0000098942
Instrument Date	Feb 6, 2017
Instrument	98942
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
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	1547 HERON AVE EL CAJON CA 920208810, EL CAJON, CA 92020-8810

Mortgage

Document Number	98943
Date	Mar 2, 2017
Instrument	98943

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37207

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1547 Heron Ave was $9,939 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		$769,458 (+2%) Land $274,068 Building $495,390
2025	$9,939.00 Homeowner's exemption	$754,372 Land $268,695 Building $485,677
2023	$9,470.00 (-0.64%) Homeowner's exemption	$725,080 Land $258,262 Building $466,818
2022	$9,531.00

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

Flood

FEMA maps place 1547 Heron Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1547 Heron Ave 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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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