247 Murray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 247 Murray Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,964 sqft · built 1959
Lot Size	0.333 acres (14,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$910,000 (Aug 2021)
Tax Bill	$12,631 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`487-220-03-00`

Property Details

APN / Parcel Number

Primary APN	`487-220-03-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,964 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	14,500 sqft (0.333 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	247 MURRAY DR
City	EL CAJON
State	CA
Zip	92020-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 3 TR 003140
Legal Subdivision	GRAND TERRACE
Legal Tract	003140
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	16000

Owner

Source: San Diego County records, as of July 21, 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	247 MURRAY DR, EL CAJON, CA 92020-4113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 19, 2021	Grant Deed, Transfer · Conventional Mortgage OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Deed Document Number	2021593110
Prior Transfer Date	Mar 13, 1996
Prior Transfer Doc	0000147831
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	247 MURRAY DR, EL CAJON, CA 92020-4113
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 MURRAY DR, EL CAJON, CA 92020-4113

Mortgage

Document Number	0000361140
Date	Dec 23, 2025
Instrument	2025-0361140

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	247 MURRAY DR, EL CAJON, CA 92020-4113
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 MURRAY DR, EL CAJON, CA 92020-4113

Mortgage

Document Number	0000311919
Date	Nov 9, 2023
Instrument	2023-0311919

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 19, 2021
Property Address	247 MURRAY DR, EL CAJON, CA 92020-4113
Document Number	0000593110
Map Reference	MAP 3140
Instrument Date	Jul 29, 2021
Instrument	2021-0593110
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

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	247 MURRAY DR, EL CAJON, CA 92020-4113

Mortgage

Document Number	0000593111
Date	Aug 19, 2021
Instrument	2021-0593111

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$985,009 (+2%) Land $384,365 Building $600,644
2025	$12,631.00 (+3.26%)	$965,696 (+4.04%) Land $376,829 Building $588,867
2023	$12,232.00 (+3.88%)	$928,199 Land $362,198 Building $566,001
2022	$11,775.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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