2227 Chatham St, El Cajon, CA 92020 Property Records

San Diego County property record for 2227 Chatham St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,392 sqft · built 1947
Lot Size	0.259 acres (11,300 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Sep 1995)
Tax Bill	$3,890 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`486-104-05-00`

Property Details

APN / Parcel Number

Primary APN	`486-104-05-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,392 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	11,300 sqft (0.259 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2227 CHATHAM ST
City	EL CAJON
State	CA
Zip	92020-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 11 TR 002379
Legal Subdivision	ROLLING HILLS
Legal Tract	002379
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2008
Census Tract	16100

Owner

2227 Chatham St is owned and occupied by an individual who acquired it in December 2012.

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

Owner of Record	Individual Name on File
Mailing Address	2227 CHATHAM ST, EL CAJON, CA 92020-2818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 22, 2020	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 1995 · Amount on File
Deed Sale	Sep 29, 1995 · Amount on File
Prior Sale	Jun 2, 1994 · Amount on File
Deed Document Number	1995439251
Last Transfer Date	Dec 10, 2012
Transfer Doc	0000025781
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2227 CHATHAM ST, EL CAJON, CA 92020-2818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000434838
Date	Oct 1, 2019
Instrument	2019-0434838

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2227 CHATHAM ST, EL CAJON, CA 92020-2818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395528
Date	Jul 22, 2020
Instrument	2020-0395528

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2227 Chatham St was $3,890 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		$245,665 (+2%) Land $93,779 Building $151,886
2025	$3,890.00 Homeowner's exemption	$240,849 Land $91,941 Building $148,908
2023	$3,326.00 (-0.51%) Homeowner's exemption	$231,499 Land $88,372 Building $143,127
2022	$3,343.00

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

Flood

FEMA maps place 2227 Chatham St 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 2227 Chatham St 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 97% of the US · lower than 97.8% 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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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