2345 Valley Mill Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 2345 Valley Mill Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 3,528 sqft · built 1976
Lot Size	0.228 acres (9,953 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (May 2017)
Tax Bill	$12,626 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`386-520-42-00`

Property Details

APN / Parcel Number

Primary APN	`386-520-42-00`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,528 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Wood
Roof Material	Tile
Lot Area	9,953 sqft (0.228 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2345 VALLEY MILL RD
City	EL CAJON
State	CA
Zip	92020-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 76 TR 007838
Legal Subdivision	FLETCHER HILLS
Legal Tract	007838
Legal Block	2
Legal Lot Number	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	16201

Owner

2345 Valley Mill Rd is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
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
Sep 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 14, 2022	Deed of Trust, Mortgage · VA Mortgage MORGAN HOME LOAN FUNDING CORP
Jul 23, 2020	Deed of Trust, Mortgage · VA Mortgage MORGAN HOME LOAN FUNDING CORP
Dec 11, 2017	Intrafamily Transfer, Transfer · VA Mortgage MORGAN HOME LOAN FUNDING CORP
May 26, 2017	Grant Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2017 · Amount on File
Deed Sale	May 26, 2017 · Amount on File
Prior Sale	Nov 14, 2001 · Amount on File
Deed Document Number	2017237061
Prior Transfer Date	Jun 12, 1996
Prior Transfer Doc	0000322393
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038

Mortgage

Document Number	0000245056
Date	Sep 8, 2023
Instrument	2023-0245056

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Aug 1, 2043

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
Transaction Type	Mortgage
Record Updated	Feb 28, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038

Mortgage

Document Number	0000067865
Date	Feb 14, 2022
Instrument	2022-0067865

Lender

Name	MORGAN HOME LOAN FUNDING CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396414
Date	Jul 23, 2020
Instrument	2020-0396414

Lender

Name	MORGAN HOME LOAN FUNDING CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2017
Property Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
Document Number	0000575492
Map Reference	MAP7838
Instrument Date	Dec 4, 2017
Instrument	2017-0575492
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038

Mortgage

Document Number	0000575493
Date	Dec 11, 2017
Instrument	2017-0575493

Lender

Name	MORGAN HOME LOAN FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2017
Property Address	2345 VALLEY MILL RD, EL CAJON, CA 92020-1038
Document Number	0000237061
Instrument Date	Apr 25, 2017
Instrument	237061
Transaction Type	Transfer
Record Updated	Jun 6, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$781.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2345 VALLEY MILL RD EL CAJON CA 920201038, EL CAJON, CA 92020-1038

Mortgage

Document Number	237062
Date	May 26, 2017
Instrument	237062

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2345 Valley Mill Rd was $12,626 with a veteran'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		$1,119,586 (+2%) Land $332,645 Building $786,941
2025	$12,626.00	$1,097,634 Land $326,123 Building $771,511
2023	$10,645.00 (-0.02%) Homeowner's exemption	$792,013 Land $313,460 Building $478,553
2022	$10,647.00

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

Flood

FEMA maps place 2345 Valley Mill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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

Wildfire risk around 2345 Valley Mill Rd is low, with a 0.02% annual chance of 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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