2460 Valley Mill Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 2460 Valley Mill Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,352 sqft · built 1976
Lot Size	0.253 acres (11,024 sqft)
Owner	2 Individual Names on File
Last Sale	$1,440,000 (Jun 2022)
Tax Bill	$17,493 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`386-530-14-00`

Property Details

APN / Parcel Number

Primary APN	`386-530-14-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Mediterranean
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	11,024 sqft (0.253 acres)
Lot Dimensions	122 ft deep x 81 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gravity Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2460 VALLEY MILL RD
City	EL CAJON
State	CA
Zip	92020-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 120 TR 007839
Legal Subdivision	FLETCHER HILLS
Legal Tract	007839
Legal Block	2
Legal Lot Number	120
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	16201

Owner

2460 Valley Mill Rd is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040
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 3, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Oct 28, 2019	· Conventional Mortgage MISSION FCU
Feb 15, 2019	Grant Deed, Transfer · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Prior Sale	Feb 15, 2019 · Amount on File
Deed Document Number	2022234606
Prior Transfer Date	Feb 21, 1995
Prior Transfer Doc	0000075394
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2022
Property Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040
Document Number	0000234606
Map Reference	MAP 7839
Instrument Date	May 16, 2022
Instrument	2022-0234606
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WFG TITLE COMPANY OF CA

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
Relationship	Revocable Trust
Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040

Mortgage

Document Number	0000234607
Date	Jun 3, 2022
Instrument	2022-0234607

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	Other
Max Rate	8.87%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2021
Property Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040
Document Number	0000301039
Map Reference	MAP 7839
Instrument Date	Sep 30, 2020
Instrument	2021-0301039
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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
Relationship	Joint Tenants with Right of Survivorship
Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040

Mortgage

Document Number	0000301040
Date	Apr 19, 2021
Instrument	2021-0301040

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Oct 1, 2050

October 2019:

Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2019
Property Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040
Document Number	0000487373
Map Reference	MAP 7839
Instrument Date	Oct 3, 2019
Instrument	2019-0487373
Record Updated	Aug 24, 2021
Title Company	BOSTON NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040

Mortgage

Document Number	0000487374
Date	Oct 28, 2019
Instrument	2019-0487374

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 15, 2019
Property Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040
Document Number	0000055120
Map Reference	MAP 7839
Instrument Date	Jan 8, 2019
Instrument	2019-0055120
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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
Relationship	Joint Tenants
Address	2460 VALLEY MILL RD, EL CAJON, CA 92020-1040

Mortgage

Document Number	0000055121
Date	Feb 15, 2019
Instrument	2019-0055121

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2460 Valley Mill Rd was $17,493 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		$1,396,000 (-) Land $774,000 Building $622,000
2025	$17,493.00 Homeowner's exemption	$1,396,000 Land $774,000 Building $622,000
2023	$16,589.00 (+59.48%) Homeowner's exemption	$1,340,000 Land $744,000 Building $596,000
2022	$10,402.00

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

Flood

FEMA maps place 2460 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 2460 Valley Mill Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect 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	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 412 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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