188 Decker Ct, El Cajon, CA 92019 Property Records

San Diego County property record for 188 Decker Ct, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,407 sqft · built 2003
Lot Size	0.41 acres (1,794 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Mar 2009)
Tax Bill	$4,750 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`489-380-45-00`

Property Details

APN / Parcel Number

Primary APN	`489-380-45-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,407 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	1,794 sqft (0.41 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	188 DECKER CT
City	EL CAJON
State	CA
Zip	92019-6100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2200
Legal Description	LOT 11 TR 014415
Legal Subdivision	DECKER COURT
Legal Tract	014415
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	15704

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	Individual Name on Record
Mailing Address	188 DECKER CT, EL CAJON, CA 92019-6100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2009 · Amount on Record
Deed Sale	Mar 6, 2009 · Amount on Record
Prior Sale	Jan 16, 2009
Deed Document Number	2009113582
Prior Transfer Date	Feb 23, 2004
Prior Transfer Doc	0000332222
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	188 DECKER CT, EL CAJON, CA 92019-6100
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 DECKER CT, EL CAJON, CA 92019-6100

Mortgage

Document Number	0000035203
Date	Feb 9, 2026
Instrument	2026-0035203

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 26, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	188 DECKER CT, EL CAJON, CA 92019-6100
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 DECKER CT, EL CAJON, CA 92019-6100

Mortgage

Document Number	0000791323
Date	Dec 10, 2020
Instrument	2020-0791323

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Oct 1, 2030

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
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		$344,124 (+2%) Land $131,342 Building $212,782
2025	$4,750.00 (-2.6%) Homeowner's exemption	$337,377 (+4.04%) Land $128,767 Building $208,610
2023	$4,877.00 (+2.39%) Homeowner's exemption	$324,278 Land $123,768 Building $200,510
2022	$4,763.00

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 748 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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