245 Cedar St, El Cajon, CA 92021 Property Records

San Diego County property record for 245 Cedar St, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,320 sqft · built 1947
Lot Size	0.124 acres (5,395 sqft)
Owner	Individual Name on File
Last Sale	$439,000 (Jul 2019)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`483-234-20-00`

Property Details

APN / Parcel Number

Primary APN	`483-234-20-00`
Alternative APN	`4832330400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,320 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	5,395 sqft (0.124 acres)

Location & Zoning

Old Parcel Number	4832330400
Street Address	245 CEDAR ST
City	EL CAJON
State	CA
Zip	92021-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 71 (EX ST WID)WLY 50 FT OF ELY 100 FT TR 001896
Legal Subdivision	VALLEY ACRES
Legal Tract	001896
Legal Block	1
Legal Lot Number	71
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1006
Census Tract	16301

Owner

245 Cedar St is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	245 CEDAR ST, EL CAJON, CA 92021-4544
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
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jul 26, 2019	Grant Deed, Transfer · VA Mortgage BOKF NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on File
Deed Sale	Jul 26, 2019 · Amount on File
Prior Sale	Jul 31, 2015 · Amount on File
Deed Document Number	2019307241
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	245 CEDAR ST, EL CAJON, CA 92021-4544
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101491
Date	Feb 9, 2021
Instrument	2021-0101491

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	245 CEDAR ST, EL CAJON, CA 92021-4544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000197551
Date	Apr 20, 2020
Instrument	2020-0197551

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 26, 2019
Property Address	245 CEDAR ST, EL CAJON, CA 92021-4544
Document Number	0000307241
Map Reference	MAP 1896
Instrument Date	Jul 12, 2019
Instrument	2019-0307241
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

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
Address	245 CEDAR ST, EL CAJON, CA 92021-4544

Mortgage

Document Number	0000307242
Date	Jul 26, 2019
Instrument	2019-0307242

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 245 Cedar St was $6,458.

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		$489,707 (+2%) Land $290,031 Building $199,676
2025	$6,458.00	$480,106 Land $284,345 Building $195,761
2023	$6,736.00 (+7.55%)	$461,464 Land $273,304 Building $188,160
2022	$6,263.00

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

Flood

FEMA maps place 245 Cedar St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2012.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Aug 2012 · other causes

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 245 Cedar 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 613 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures