2324 Charles Way, El Cajon, CA 92020 Property Records

San Diego County property record for 2324 Charles Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1951
Lot Size	0.36 acres (15,700 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Nov 1995)
Tax Bill	$2,459 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`486-131-01-00`

Property Details

APN / Parcel Number

Primary APN	`486-131-01-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	15,700 sqft (0.36 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2324 CHARLES WAY
City	EL CAJON
State	CA
Zip	92020-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 11 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16100

Owner

2324 Charles Way is owned and occupied by an individual who bought it in November 1995.

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

Owner of Record	Individual Name on File
Mailing Address	2324 CHARLES WAY, EL CAJON, CA 92020-2815
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL/OMAHA MORTGAGE LLC
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 1995 · Amount on File
Deed Sale	Nov 9, 1995 · Amount on File
Prior Sale	Nov 15, 1991 · Amount on File
Deed Document Number	1995512932
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2026
Property Address	2324 CHARLES WAY, EL CAJON, CA 92020-2815
Document Number	0000160120
Instrument Date	May 23, 2026
Instrument	2026160120
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2324 CHARLES WAY, EL CAJON, CA 92020-2815

Mortgage

Document Number	0000160120,
Date	Jun 4, 2026
Instrument	2026160120

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2324 CHARLES WAY, EL CAJON, CA 92020-2815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2324 CHARLES WAY, EL CAJON, CA 92020-2815

Mortgage

Document Number	0000000836
Date	Jan 4, 2021
Instrument	2021-0000836

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2324 Charles Way was $2,459 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		$135,552 (+2%) Land $60,566 Building $74,986
2025	$2,459.00 Homeowner's exemption	$132,895 Land $59,379 Building $73,516
2023	$2,138.00 (-3.78%) Homeowner's exemption	$127,736 Land $57,074 Building $70,662
2022	$2,222.00

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

Flood

FEMA maps place 2324 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

The area around 2324 Charles Way 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 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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