2232 Charles Way, El Cajon, CA 92020 Property Records

San Diego County property record for 2232 Charles Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,435 sqft · built 1970
Lot Size	0.154 acres (6,700 sqft)
Owner	2 Individual Names on File
Last Sale	$906,500 (Oct 2022)
Tax Bill	$12,029 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`486-132-07-00`

Property Details

APN / Parcel Number

Primary APN	`486-132-07-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,435 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,700 sqft (0.154 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2232 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 28 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2011
Census Tract	16100

Owner

2232 Charles Way is owned by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1244 E WASHINGTON AVE, EL CAJON, CA 92019-3036
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
Oct 7, 2022	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 1, 2019	Deed of Trust, Mortgage · Line of Credit USE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Aug 10, 1989 · Amount on File
Deed Document Number	2022392507
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 7, 2022
Property Address	2232 CHARLES WAY, EL CAJON, CA 92020-2813
Document Number	0000392507
Map Reference	MAP 2605
Instrument Date	Sep 12, 2022
Instrument	2022-0392507
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

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	Tenants in Common
Address	1244 E WASHINGTON AVE, EL CAJON, CA 92019-3036
Investor	Possibly a Property Investor

Mortgage

Document Number	0000392508
Date	Oct 7, 2022
Instrument	2022-0392508

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2232 CHARLES WAY, EL CAJON, CA 92020-2813
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000259407
Date	Jul 1, 2019
Instrument	2019-0259407

Lender

Name	USE CREDIT UNION
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 30, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2232 Charles Way was $12,029.

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		$961,769 (+2%) Land $280,695 Building $681,074
2025	$12,029.00	$942,912 Land $275,192 Building $667,720
2023	$11,235.00 (+108.79%)	$906,300 Land $264,507 Building $641,793
2022	$5,381.00

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

Flood

FEMA maps place 2232 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 2232 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.

Nearby Properties on Charles Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures