2045 Monaco Ct, El Cajon, CA 92019 Property Records

San Diego County property record for 2045 Monaco Ct, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,980 sqft · built 1985
Lot Size	0.144 acres (6,269 sqft)
Owner	Company Name on Record
Last Sale	$209,000 (Apr 1996)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	Dec 2020 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`518-121-33-00`

Property Details

APN / Parcel Number

Primary APN	`518-121-33-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,980 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	6,269 sqft (0.144 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2045 MONACO CT
City	EL CAJON
State	CA
Zip	92019-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 653 UND INT IN LOTS 836&968&975&993&ALL OF TR 009433
Legal Subdivision	SAN DIEGO 3584-2
Legal Tract	009433
Legal Block	2
Legal Lot Number	653,8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	13604

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	Company Name on Record
Mailing Address	2045 MONACO CT, EL CAJON, CA 92019-4235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 1996 · Amount on Record
Deed Sale	Apr 8, 1996 · Amount on Record
Prior Sale	Apr 5, 1988 · Amount on Record
Deed Document Number	1996173808
Last Transfer Date	Sep 8, 2020
Transfer Doc	0000807992
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 16, 2020
Property Address	2045 MONACO CT, EL CAJON, CA 92019-4235
Document Number	0000807992
Instrument Date	Sep 8, 2020
Instrument	807992
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2045 MONACO CT EL CAJON CA 920194235, EL CAJON, CA 92019-4235

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 16, 2020
Property Address	2045 MONACO CT, EL CAJON, CA 92019-4235
Document Number	0000807990
Map Reference	MAP 9433
Instrument Date	Sep 8, 2020
Instrument	2020-0807990
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE GUARANTY CO

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	2045 MONACO CT, EL CAJON, CA 92019-4235

Mortgage

Document Number	0000807991
Date	Dec 16, 2020
Instrument	2020-0807991

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$354,118 (+2%) Land $108,568 Building $245,550
2025	$4,238.00 (+2.27%) Homeowner's exemption	$347,176 (+4.04%) Land $106,440 Building $240,736
2023	$4,144.00 (+1.74%) Homeowner's exemption	$333,696 Land $102,307 Building $231,389
2022	$4,073.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond 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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

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