2452 Charles Way, El Cajon, CA 92020 Property Records

San Diego County property record for 2452 Charles Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1951
Lot Size	0.243 acres (10,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,734 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-121-03-00`

Property Details

APN / Parcel Number

Primary APN	`486-121-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,300 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	10,600 sqft (0.243 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2452 CHARLES WAY
City	EL CAJON
State	CA
Zip	92020-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 3 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16100

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	2452 CHARLES WAY, EL CAJON, CA 92020-2817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Feb 4, 2019	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 29, 2019
Transfer Doc	0000040173
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 3, 2026
Property Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817
Document Number	0000222230
Instrument Date	Jul 27, 2026
Instrument	2026222230
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817

Mortgage

Document Number	0000222230,
Date	Aug 3, 2026
Instrument	2026222230

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000519546
Date	Nov 12, 2019
Instrument	2019-0519546

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 4, 2019
Property Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817
Document Number	0000040175
Instrument Date	Jan 29, 2019
Instrument	40175
Transaction Type	Transfer
Record Updated	Feb 8, 2019

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2452 CHARLES WAY EL CAJON CA 920202817, EL CAJON, CA 92020-2817

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 4, 2019
Property Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817
Document Number	0000040173
Map Reference	MAP 2605
Instrument Date	Jan 29, 2019
Instrument	2019-0040173
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2452 CHARLES WAY, EL CAJON, CA 92020-2817

Mortgage

Document Number	0000040174
Date	Feb 4, 2019
Instrument	2019-0040174

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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		$182,969 (+2%) Land $75,849 Building $107,120
2025	$2,734.00 (+4.39%) Homeowner's exemption	$179,382 (+4.04%) Land $74,362 Building $105,020
2023	$2,619.00 (+4.63%) Homeowner's exemption	$172,418 Land $71,475 Building $100,943
2022	$2,503.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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	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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