2445 Wind River Rd, El Cajon, CA 92019 Property Records

San Diego County property record for 2445 Wind River Rd, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,632 sqft · built 1985
Lot Size	0.232 acres (10,103 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Jan 2020)
Tax Bill	$8,323 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`518-102-34-00`

Property Details

APN / Parcel Number

Primary APN	`518-102-34-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,632 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	10,103 sqft (0.232 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2445 WIND RIVER RD
City	EL CAJON
State	CA
Zip	92019-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 369 UND INT IN LOTS 75&77&80&389&ALL TR 009231
Legal Subdivision	SAN DIEGO 3584-1
Legal Tract	009231
Legal Block	3
Legal Lot Number	75,77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3005
Census Tract	13604

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	2445 WIND RIVER RD, EL CAJON, CA 92019-4157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 28, 2020	Grant Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2020 · Amount on Record
Deed Sale	Jan 28, 2020 · Amount on Record
Prior Sale	May 26, 1993 · Amount on Record
Deed Document Number	202044824
Prior Transfer Date	Jul 15, 2011
Prior Transfer Doc	0000430605
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2445 WIND RIVER RD, EL CAJON, CA 92019-4157
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 WIND RIVER RD, EL CAJON, CA 92019-4157

Mortgage

Document Number	0000378382
Date	May 18, 2021
Instrument	2021-0378382

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 28, 2020
Property Address	2445 WIND RIVER RD, EL CAJON, CA 92019-4157
Document Number	0000044824
Map Reference	MAP 9231
Instrument Date	Jan 23, 2020
Instrument	2020-0044824
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
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	2445 WIND RIVER RD, EL CAJON, CA 92019-4157

Mortgage

Document Number	0000044825
Date	Jan 28, 2020
Instrument	2020-0044825

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	10.2%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$702,772 (+2%) Land $390,429 Building $312,343
2025	$8,323.00 (+2.09%)	$688,993 (+4.04%) Land $382,774 Building $306,219
2023	$8,153.00 (+1.63%)	$662,240 Land $367,911 Building $294,329
2022	$8,022.00

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
Community Rating System	Class 6 (20% premium discount)
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

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 347 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	100 / 20

May also be available: Verizon.

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