190 Chambers St, Unit 1, El Cajon, CA 92020 Property Records

San Diego County property record for 190 Chambers St, Unit 1, El Cajon, CA 92020

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 925 sqft · built 1985
Lot Size	2.59 acres (113,220 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2021)
Tax Bill	$3,957 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-160-17-45`

Property Details

APN / Parcel Number

Primary APN	`487-160-17-45`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	925 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Lot Area	113,220 sqft

Location & Zoning

Street Address	190 CHAMBERS ST, 1
City	EL CAJON
State	CA
Zip	92020-3371
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 1 PER DOCS05-937102&06-213105&UND INT IN BLDG F 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

190 Chambers St, Unit 1 is owned and occupied by an individual who bought it in August 2021.

Source: San Diego County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	190 CHAMBERS ST, 1, EL CAJON, CA 92020-3371
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage MCJAB INC
Aug 27, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO
Aug 27, 2021	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Feb 22, 2017	Intrafamily Transfer, Transfer · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Prior Sale	Feb 22, 2017
Deed Document Number	2021611539
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 CHAMBERS ST E1, E1, EL CAJON, CA 92020-3351

Mortgage

Document Number	0000175661
Date	Mar 5, 2021
Instrument	2021-0175661

Lender

Name	MCJAB INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92123

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2021
Property Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371
Document Number	0000611538
Map Reference	MAP 15136
Instrument Date	Aug 27, 2021
Instrument	2021-0611538
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2021
Property Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371
Document Number	0000611539
Map Reference	MAP 15136
Instrument Date	Jul 22, 2021
Instrument	2021-0611539
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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
Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371

Mortgage

Document Number	0000611540
Date	Aug 27, 2021
Instrument	2021-0611540

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2017
Property Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371
Document Number	0000084390
Map Reference	MAP15136
Instrument Date	Feb 15, 2017
Instrument	2017-0084390
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE COMPANY OF CA SD

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	190 CHAMBERS ST UNIT 1, 1, EL CAJON, CA 92020-3371

Mortgage

Document Number	0000084391
Date	Feb 22, 2017
Instrument	2017-0084391

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 190 Chambers St, Unit 1 was $3,957.

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		$340,963 (+2%) Land $125,425 Building $215,538
2025	$3,957.00	$334,278 Land $122,966 Building $211,312
2023	$3,878.00 (+1.57%)	$321,299 Land $118,192 Building $203,107
2022	$3,818.00

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

Flood

FEMA maps place 190 Chambers St, Unit 1 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 190 Chambers St, Unit 1 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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