228 Carter St, El Cajon, CA 92020 Property Records

San Diego County property record for 228 Carter St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,746 sqft · built 1955
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2018)
Tax Bill	$7,686 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-132-20-00`

Property Details

APN / Parcel Number

Primary APN	`493-132-20-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,746 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	5,800 sqft (0.133 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	228 CARTER ST
City	EL CAJON
State	CA
Zip	92020-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 42 TR 003070
Legal Subdivision	JONATHAN MANOR
Legal Tract	003070
Legal Block	2
Legal Lot Number	42
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	15301

Owner

228 Carter St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	228 CARTER ST, EL CAJON, CA 92020-6302
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
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit ZB NA
Oct 5, 2018	Grant Deed, Transfer · FHA Mortgage MORIA DEVELOPMENT INC
Jun 16, 2017	Grant Deed, Transfer · Conventional Mortgage BRIK HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on File
Deed Sale	Oct 5, 2018 · Amount on File
Prior Sale	Jun 16, 2017 · Amount on File
Deed Document Number	2018416460
Prior Transfer Date	Aug 19, 2009
Prior Transfer Doc	0000514740
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	228 CARTER ST, EL CAJON, CA 92020-6302
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CARTER ST, EL CAJON, CA 92020-6302

Mortgage

Document Number	0000000257
Date	Jan 2, 2024
Instrument	2024-0000257

Lender

Name	ZB NA
Type	Bank
Address	LA MESA, CA 91942

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 5, 2018
Property Address	228 CARTER ST, EL CAJON, CA 92020-6302
Document Number	0000416460
Map Reference	MAP 3070
Instrument Date	Sep 6, 2018
Instrument	2018-0416460
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

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	228 CARTER ST, EL CAJON, CA 92020-6302

Mortgage

Document Number	0000416461
Date	Oct 5, 2018
Instrument	2018-0416461

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2017
Property Address	228 CARTER ST, EL CAJON, CA 92020-6302
Document Number	0000270742
Instrument Date	May 17, 2017
Instrument	270742
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	TITLE 365

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$526.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CARTER ST EL CAJON CA 920206302, EL CAJON, CA 92020-6302

Mortgage

Document Number	270743
Date	Jun 16, 2017
Instrument	270743

Lender

Name	BRIK HM LOANS
Address	EL CAJON, CA 92019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 228 Carter St was $7,686.

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
Elementary School District	Cajon Valley Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$574,598 (+2%) Land $214,816 Building $359,782
2025	$7,686.00	$563,332 Land $210,604 Building $352,728
2023	$7,360.00 (+0.41%)	$541,459 Land $202,427 Building $339,032
2022	$7,330.00

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

Flood

FEMA maps place 228 Carter St in Zone X, an area of minimal flood risk.

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

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

The area around 228 Carter St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 740 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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