2181 Charles Way, El Cajon, CA 92020 Property Records

San Diego County property record for 2181 Charles Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,347 sqft · built 1951
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Dec 2022)
Tax Bill	$8,519 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`486-142-02-00`

Property Details

APN / Parcel Number

Primary APN	`486-142-02-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,347 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Block
Construction Type	Frame
Lot Area	6,900 sqft (0.158 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2181 CHARLES WAY
City	EL CAJON
State	CA
Zip	92020-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 24 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16100

Owner

2181 Charles Way is owned and occupied by two individuals who bought it in December 2022.

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	2 Individual Names on File
Mailing Address	2181 CHARLES WAY, EL CAJON, CA 92020-2810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on File
Deed Sale	Dec 6, 2022 · Amount on File
Prior Sale	Oct 3, 2006 · Amount on File
Deed Document Number	2022459144
Prior Transfer Date	Feb 16, 2018
Prior Transfer Doc	0000074449
Record Updated	Oct 29, 2026

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2022
Property Address	2181 CHARLES WAY, EL CAJON, CA 92020-2810
Document Number	0000459144
Map Reference	MAP 2605
Instrument Date	Nov 16, 2022
Instrument	2022-0459144
Transaction Type	Transfer
Record Updated	Dec 14, 2022
Title Company	CORINTHIAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	2181 CHARLES WAY, EL CAJON, CA 92020-2810

Mortgage

Document Number	0000459145
Date	Dec 6, 2022
Instrument	2022-0459145

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2018
Property Address	2181 CHARLES WAY, EL CAJON, CA 92020-2810
Document Number	0000074449
Map Reference	MAP 2605
Instrument Date	Feb 16, 2018
Instrument	2018-0074449
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY SD

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	Joint Tenants
Address	2181 CHARLES WAY, EL CAJON, CA 92020-2810

Mortgage

Document Number	0000074450
Date	Feb 26, 2018
Instrument	2018-0074450

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2181 Charles Way was $8,519 with a homeowner's exemption.

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		$679,172 (+2%) Land $488,155 Building $191,017
2025	$8,519.00 Homeowner's exemption	$665,856 Land $478,584 Building $187,272
2023	$7,862.00 (+49.01%) Homeowner's exemption	$640,000 Land $460,000 Building $180,000
2022	$5,276.00

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

Flood

FEMA maps place 2181 Charles Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2181 Charles Way is low, with less than a 0.01% annual chance of 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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