185 Blanchard Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 185 Blanchard Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 819 sqft · built 1951
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Feb 2019)
Tax Bill	$8,118 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-052-04-00`

Property Details

APN / Parcel Number

Primary APN	`486-052-04-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	819 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	185 BLANCHARD RD
City	EL CAJON
State	CA
Zip	92020-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 43 TR 002687
Legal Subdivision	DRYDEN ROAD SUB
Legal Tract	002687
Legal Block	3
Legal Lot Number	43
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3020
Census Tract	16100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	185 BLANCHARD RD, EL CAJON, CA 92020-2701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit POINT LOMA CU
Oct 20, 2020	Deed of Trust, Mortgage · Conventional with PMI HOMEPLUS CORP
Mar 4, 2020	Deed of Trust, Mortgage QUICKEN LNS
Feb 22, 2019	Grant Deed, Transfer · Conventional with PMI ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Nov 30, 2010 · Amount on Record
Deed Document Number	201964924
Prior Transfer Date	Nov 10, 2010
Prior Transfer Doc	0000619387
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 BLANCHARD RD, EL CAJON, CA 92020-2701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000379294
Date	Aug 21, 2017
Instrument	2017-0379294

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	6%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 BLANCHARD RD, EL CAJON, CA 92020-2701
Document Number	0000689778
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 BLANCHARD RD EL CAJON CA 920202701, EL CAJON, CA 92020-2701

Mortgage

Document Number	0000689778
Date	Nov 5, 2020
Instrument	689778

Lender

Name	HOMEPLUS CORP
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 BLANCHARD RD, EL CAJON, CA 92020-2701
Document Number	0000222100
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 BLANCHARD RD EL CAJON CA 920202701, EL CAJON, CA 92020-2701

Mortgage

Document Number	0000222100
Date	May 1, 2020
Instrument	222100

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2019
Property Address	185 BLANCHARD RD, EL CAJON, CA 92020-2701
Document Number	0000064924
Instrument Date	Jan 31, 2019
Instrument	64924
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$621.50
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	485 BLANCHARD RD EL CAJON CA 92020, EL CAJON, CA 92020

Mortgage

Document Number	64925
Date	Feb 22, 2019
Instrument	64925

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

Tax Assessment & Valuation

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$642,866 (+2%) Land $391,712 Building $251,154
2025	$8,118.00 (+6.8%) Homeowner's exemption	$630,262 (+4.04%) Land $384,032 Building $246,230
2023	$7,601.00 (+1.55%) Homeowner's exemption	$605,789 Land $369,120 Building $236,669
2022	$7,485.00

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

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	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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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