2216 Charles Way, El Cajon, CA 92020 Property Records

San Diego County property record for 2216 Charles Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1951
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (May 2026)
Tax Bill	$6,086 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`486-132-08-00`

Property Details

APN / Parcel Number

Primary APN	`486-132-08-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	820 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,500 sqft (0.149 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2216 CHARLES WAY
City	EL CAJON
State	CA
Zip	92020-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 27 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	27
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2011
Census Tract	16100

Owner

2216 Charles Way is owned and occupied by an individual who bought it in May 2026.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 8, 2026	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE
May 8, 2026	Affidavit of Death of Trustee, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jan 23, 2004 · Amount on File
Deed Document Number	2026132940
Prior Transfer Date	Apr 17, 2015
Prior Transfer Doc	0000238591
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813
Investor	Possibly a Property Investor

Mortgage

Document Number	0000800274
Date	Nov 19, 2021
Instrument	2021-0800274

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2026
Property Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813
Document Number	0000132940
Instrument Date	May 1, 2026
Instrument	2026.132940
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,326.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813

Mortgage

Document Number	0000132941,
Date	May 8, 2026
Instrument	2026.132941

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2026
Property Address	2216 CHARLES WAY, EL CAJON, CA 92020-2813
Document Number	0000132939
Instrument Date	May 1, 2026
Instrument	2026132939
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

Tax Assessment & Valuation

The 2025 property tax bill for 2216 Charles Way was $6,086, up 3.7% from the year before.

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		$464,044 (+2%) Land $275,528 Building $188,516
2025	$6,086.00 (+3.7%) Homeowner's exemption	$454,946 Land $270,126 Building $184,820
2024	$5,869.00 (+2.98%)
2023	$5,699.00 (-0.18%) Homeowner's exemption	$437,283 Land $259,638 Building $177,645
2022	$5,709.00

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

Flood

FEMA maps place 2216 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 2216 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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