170 Chambers St, Unit 12, El Cajon, CA 92020 Property Records

San Diego County property record for 170 Chambers St, Unit 12, El Cajon, CA 92020

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 732 sqft · built 1985
Lot Size	3.18 acres (138,846 sqft)
Owner	Trust Name on File
Last Sale	$205,000 (Feb 2007)
Tax Bill	$3,175 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`487-160-18-12`

Property Details

APN / Parcel Number

Primary APN	`487-160-18-12`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	732 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Lot Area	138,846 sqft

Location & Zoning

Street Address	170 CHAMBERS ST, 12
City	EL CAJON
State	CA
Zip	92020-8902
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 12PER DOCS06-213106&07-270271&UND INT IN BLDG E IN TR 015136
Legal Subdivision	LAS BRISAS
Legal Tract	015136
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

Owner

170 Chambers St, Unit 12 is owner-occupied and held in a trust since April 2009.

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

Owner of Record	Trust Name on File
Mailing Address	170 CHAMBERS ST, 12, EL CAJON, CA 92020-8902
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 1, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2007 · Amount on File
Deed Sale	Feb 2, 2007 · Amount on File
Deed Document Number	200776740
Last Transfer Date	Apr 28, 2009
Transfer Doc	0000242435
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	170 CHAMBERS ST UNIT 12, 12, EL CAJON, CA 92020-8902
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 CHAMBERS ST 12, 12, EL CAJON, CA 92020-8902

Mortgage

Document Number	0000420674
Date	Nov 1, 2022
Instrument	2022-0420674

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	170 CHAMBERS ST UNIT 12, 12, EL CAJON, CA 92020-8902
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 CHAMBERS ST 12, 12, EL CAJON, CA 92020-8902

Mortgage

Document Number	0000073543
Date	Feb 1, 2021
Instrument	2021-0073543

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 170 Chambers St, Unit 12 was $3,175 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		$279,988 (+2%) Land $75,155 Building $204,833
2025	$3,175.00 Homeowner's exemption	$274,499 Land $73,682 Building $200,817
2023	$3,108.00 (+1.64%) Homeowner's exemption	$263,842 Land $70,822 Building $193,020
2022	$3,058.00

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

Flood

FEMA maps place 170 Chambers St, Unit 12 in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	47 units insured incl. 46 condo units
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 2006
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

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 170 Chambers St, Unit 12 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 310 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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