1640 Vista Vereda, El Cajon, CA 92019 Property Records

San Diego County property record for 1640 Vista Vereda, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,680 sqft · built 2019
Lot Size	0.51 acres (22,216 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Oct 2017)
Tax Bill	$9,628 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`517-112-09-00`

Property Details

APN / Parcel Number

Primary APN	`517-112-09-00`
Alternative APN	`5171105800`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,680 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	22,216 sqft (0.51 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	5171105800
Street Address	1640 VISTA VEREDA
City	EL CAJON
State	CA
Zip	92019-3810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 19-16-1E NEQ PAR 1 PG 361 PER DOC223489REC69 IN SEQ OF
Legal Range	01E
Legal Township	16
Legal Section	19
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	15405

Owner

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 20, 2018	Deed of Trust, Mortgage · ARM US BANK NA
Jun 7, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 3, 2017	Grant Deed, Transfer LAWYERS TITLE
Mar 28, 2017	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	2017454446
Prior Transfer Date	Sep 3, 2015
Prior Transfer Doc	0000470806
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Transaction Type	Mortgage
Record Updated	Mar 2, 2026
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810

Mortgage

Document Number	0000046527
Date	Feb 20, 2026
Instrument	2026-0046527

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000158695
Date	Apr 20, 2018
Instrument	2018-0158695

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220977
Date	Jun 7, 2019
Instrument	2019-0220977

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810

Mortgage

Document Number	0000632203
Date	Oct 16, 2020
Instrument	2020-0632203

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2017
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Document Number	0000454446
Instrument Date	Sep 25, 2017
Instrument	454446
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Tax	$275.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1634 HILTON HEAD CT #2003 EL CAJON CA 920194520, 2003, EL CAJON, CA 92019-4520

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2017
Property Address	1640 VISTA VEREDA, EL CAJON, CA 92019-3810
Document Number	0000139544
Instrument Date	Mar 3, 2017
Instrument	2017-0139544
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	12191 CUYAMACA COLLEGE DR E UNIT 303, 303, EL CAJON, CA 92019-4309

Mortgage

Document Number	0000139545
Date	Mar 28, 2017
Instrument	2017-0139545

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$840,849 (+2%) Land $318,589 Building $522,260
2025	$9,628.00 (+2.03%) Homeowner's exemption	$824,363 (+4.04%) Land $312,343 Building $512,020
2023	$9,436.00 (+1.6%) Homeowner's exemption	$792,354 Land $300,215 Building $492,139
2022	$9,287.00

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.02% 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	OTAY WATER DISTRICT serves 242,155 people · EPA ID CA3710034
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

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