196 Southern Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 196 Southern Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,250 sqft · built 1951
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$310,000 (Mar 2010)
Tax Bill	$5,107 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`486-061-04-00`

Property Details

APN / Parcel Number

Primary APN	`486-061-04-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,250 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	1 Parking Space

Location & Zoning

Street Address	196 SOUTHERN RD
City	EL CAJON
State	CA
Zip	92020-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 84 TR 002638
Legal Subdivision	GARFIELD AVE SUB
Legal Tract	002638
Legal Block	3
Legal Lot Number	84
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	196 SOUTHERN RD, EL CAJON, CA 92020-2741
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · Line of Credit EAST COUNTY SCHOOLS FCU
Mar 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2010 · Amount on File
Deed Sale	Mar 8, 2010 · Amount on File
Deed Document Number	2010111619
Last Transfer Date	Feb 3, 2021
Transfer Doc	0000161526
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	196 SOUTHERN RD, EL CAJON, CA 92020-2741
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SOUTHERN RD, EL CAJON, CA 92020-2741

Mortgage

Document Number	0000211329
Date	Apr 27, 2020
Instrument	2020-0211329

Lender

Name	EAST COUNTY SCHOOLS FCU
Type	Credit Union
Address	EL CAJON, CA 92021

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2021
Property Address	196 SOUTHERN RD, EL CAJON, CA 92020-2741
Document Number	0000161526
Map Reference	MAP 2638
Instrument Date	Feb 3, 2021
Instrument	2021-0161526
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	196 SOUTHERN RD, EL CAJON, CA 92020-2741

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		$408,139 (+2%) Land $236,983 Building $171,156
2025	$5,107.00 (+6.11%) Homeowner's exemption	$400,137 (+4.04%) Land $232,337 Building $167,800
2023	$4,813.00 (+1.82%) Homeowner's exemption	$384,601 Land $223,316 Building $161,285
2022	$4,727.00

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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