204 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 204 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,073 sqft · built 1952
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$437,500 (Aug 2016)
Tax Bill	$6,621 (2025)
Deeds & Mortgages	Jul 2020 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-092-15-00`

Property Details

APN / Parcel Number

Primary APN	`487-092-15-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,073 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	204 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 98 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	98
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
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 Record
Mailing Address	204 EL MONTE RD, EL CAJON, CA 92020-3020
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Nov 18, 2017	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2016 · Amount on Record
Deed Sale	Aug 12, 2016 · Amount on Record
Prior Sale	Apr 24, 2013 · Amount on Record
Deed Document Number	2016414209
Last Transfer Date	Sep 12, 2016
Transfer Doc	0000656326
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	204 EL MONTE RD, EL CAJON, CA 92020-3020
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405638
Date	Jul 27, 2020
Instrument	2020-0405638

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	204 EL MONTE RD, EL CAJON, CA 92020-3020
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 EL MONTE RD, EL CAJON, CA 92020-3020

Mortgage

Document Number	0000813407
Date	Nov 29, 2021
Instrument	2021-0813407

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	204 EL MONTE RD, EL CAJON, CA 92020-3020
Document Number	0000402671
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	204 EL MONTE RD EL CAJON CA 920203020, EL CAJON, CA 92020-3020

Mortgage

Document Number	0000402671
Date	Sep 16, 2019
Instrument	402671

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	204 EL MONTE RD, EL CAJON, CA 92020-3020
Document Number	0000549363
Instrument Date	Nov 18, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	204 EL MONTE RD EL CAJON CA 920203020, EL CAJON, CA 92020-3020

Mortgage

Document Number	0000549363
Date	Nov 27, 2017
Instrument	549363

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2047

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		$517,903 (+2%) Land $184,457 Building $333,446
2025	$6,621.00 (+2.76%) Homeowner's exemption	$507,749 (+4.04%) Land $180,841 Building $326,908
2023	$6,443.00 (+0.64%) Homeowner's exemption	$488,035 Land $173,820 Building $314,215
2022	$6,402.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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

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 358 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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