2255 Valley Mill Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 2255 Valley Mill Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,366 sqft · built 1976
Lot Size	0.212 acres (9,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$820,000 (Sep 2020)
Tax Bill	$11,235 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`386-520-38-00`

Property Details

APN / Parcel Number

Primary APN	`386-520-38-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	9,225 sqft (0.212 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2255 VALLEY MILL RD
City	EL CAJON
State	CA
Zip	92020-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 80 TR 007838
Legal Subdivision	FLETCHER HILLS
Legal Tract	007838
Legal Block	2
Legal Lot Number	80
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	16201

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 Individual Names on Record
Mailing Address	2255 VALLEY MILL RD, EL CAJON, CA 92020-1036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Sep 2, 2020	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Jan 17, 2006 · Amount on Record
Deed Document Number	2020506028
Prior Transfer Date	Aug 15, 1997
Prior Transfer Doc	0000406612
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2255 VALLEY MILL RD, EL CAJON, CA 92020-1036
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2255 VALLEY MILL RD, EL CAJON, CA 92020-1036

Mortgage

Document Number	0000233565
Date	Mar 25, 2021
Instrument	2021-0233565

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2020
Property Address	2255 VALLEY MILL RD, EL CAJON, CA 92020-1036
Document Number	0000506028
Map Reference	MAP 7838
Instrument Date	Aug 7, 2020
Instrument	2020-0506028
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2255 VALLEY MILL RD, EL CAJON, CA 92020-1036
Investor	Possibly a Property Investor

Mortgage

Document Number	0000506029
Date	Sep 2, 2020
Instrument	2020-0506029

Lender

Name	CALIFORNIA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

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		$905,341 (+2%) Land $471,272 Building $434,069
2025	$11,235.00 (+6.44%) Homeowner's exemption	$887,590 (+4.04%) Land $462,032 Building $425,558
2023	$10,555.00 (-0.9%) Homeowner's exemption	$853,126 Land $444,092 Building $409,034
2022	$10,651.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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