2174 Virginia Ct, El Cajon, CA 92020 Property Records

San Diego County property record for 2174 Virginia Ct, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,458 sqft · built 1951
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Company Names on Record
Last Sale	$799,000 (Feb 2022)
Tax Bill	$10,536 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`486-122-12-00`

Property Details

APN / Parcel Number

Primary APN	`486-122-12-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,458 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	2174 VIRGINIA CT
City	EL CAJON
State	CA
Zip	92020-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 46 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2011
Census Tract	16100

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	2 Company Names on Record
Mailing Address	2174 VIRGINIA CT, EL CAJON, CA 92020-2834
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Grant Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE LLC
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	202271786
Last Transfer Date	Aug 29, 2024
Transfer Doc	0000243049
Record Updated	Sep 20, 2026

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2022
Property Address	2174 VIRGINIA CT, EL CAJON, CA 92020-2834
Document Number	0000071786
Map Reference	MAP 2605
Instrument Date	Jan 20, 2022
Instrument	2022-0071786
Transaction Type	Transfer
Record Updated	Feb 24, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	2174 VIRGINIA CT, EL CAJON, CA 92020-2834

Mortgage

Document Number	0000071787
Date	Feb 16, 2022
Instrument	2022-0071787

Lender

Name	MUTUAL OF OMAHA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2174 VIRGINIA CT, EL CAJON, CA 92020-2834
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2174 VIRGINIA CT, EL CAJON, CA 92020-2834

Mortgage

Document Number	0000072826
Date	Jan 29, 2021
Instrument	2021-0072826

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company
Address	CHULA VISTA, CA 91914

Agreement

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

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		$864,855 (+2%) Land $433,874 Building $430,981
2025	$10,536.00 (+3.39%)	$847,898 (+11.86%) Land $425,367 Building $422,531
2024	$10,191.00 (+9.63%)
2023	$9,296.00 (+64.59%)	$758,000 Land $380,000 Building $378,000
2022	$5,648.00

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	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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	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 673 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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