1605 Swallow Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 1605 Swallow Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,049 sqft · built 1970
Lot Size	0.358 acres (15,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,045,000 (Sep 2025)
Tax Bill	$4,293 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`482-370-08-00`

Property Details

APN / Parcel Number

Primary APN	`482-370-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,049 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Lot Area	15,600 sqft (0.358 acres)
View / Lot	Good
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1605 SWALLOW DR
City	EL CAJON
State	CA
Zip	92020-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 25 TR 005502
Legal Subdivision	FLETCHER HILLS
Legal Tract	005502
Legal Block	1
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	16201

Owner

1605 Swallow Dr is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462
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
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2026	Grant Deed, Transfer · Conventional Mortgage FIRST COLONY MORTGAGE CORPORATION
Sep 15, 2025	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on File
Deed Sale	Sep 15, 2025 · Amount on File
Prior Sale	Mar 2, 1994 · Amount on File
Deed Document Number	2025254988
Prior Transfer Date	Dec 10, 2010
Prior Transfer Doc	0000724641
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462

Mortgage

Document Number	0000787648
Date	Nov 15, 2021
Instrument	2021-0787648

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2026
Property Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462
Document Number	0000101317
Instrument Date	Apr 7, 2026
Instrument	2026101317
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462

Mortgage

Document Number	0000101318,
Date	Apr 13, 2026
Instrument	2026101318

Lender

Name	FIRST COLONY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	1605 SWALLOW DR, EL CAJON, CA 92020-1462
Document Number	0000254988
Map Reference	MAP 5502
Instrument Date	Sep 3, 2025
Instrument	2025-0254988
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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	1605 SWALLOW DR, EL CAJON, CA 92020-1462

Mortgage

Document Number	0000254989
Date	Sep 15, 2025
Instrument	2025-0254989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1605 Swallow Dr was $4,293, up 2.4% from the year before.

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		$1,045,000 (+261.69%) Land $430,287 Building $614,713
2025	$4,293.00 (+2.36%) Homeowner's exemption	$288,920 Land $118,965 Building $169,955
2024	$4,194.00 (+0.72%)
2023	$4,164.00 (+10.01%) Homeowner's exemption	$277,703 Land $114,347 Building $163,356
2022	$3,785.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1605 Swallow Dr 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 1605 Swallow Dr 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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