2475 Chatham St, El Cajon, CA 92020 Property Records

San Diego County property record for 2475 Chatham St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,124 sqft · built 1950
Lot Size	0.241 acres (10,500 sqft)
Owner	Company Name on Record
Last Sale	$675,000 (Feb 2020)
Tax Bill	$9,705 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-010-01-00`

Property Details

APN / Parcel Number

Primary APN	`486-010-01-00`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Building Area	2,124 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2475 CHATHAM ST
City	EL CAJON
State	CA
Zip	92020-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 29 TR 002309
Legal Subdivision	CHATHAM STREET SUB
Legal Tract	002309
Legal Block	3
Legal Lot Number	29
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3015
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	Company Name on Record
Mailing Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 25, 2017	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Aug 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 6, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2020 · Amount on Record
Deed Sale	Feb 6, 2020 · Amount on Record
Prior Sale	Nov 12, 1998 · Amount on Record
Deed Document Number	202061580
Last Transfer Date	Jun 24, 2020
Transfer Doc	0000493703
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708

Mortgage

Document Number	0000334318
Date	Apr 30, 2021
Instrument	2021-0334318

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039317
Date	Jan 25, 2017
Instrument	2017-0039317

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2020
Property Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708
Document Number	0000493703
Instrument Date	Jun 24, 2020
Instrument	493703
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2475 CHATHAM ST EL CAJON CA 920202708, EL CAJON, CA 92020-2708

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 6, 2020
Property Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708
Document Number	0000061580
Map Reference	MAP 2309
Instrument Date	Jan 17, 2020
Instrument	2020-0061580
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

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	Community Property with Right of Survivorship
Address	2475 CHATHAM ST, EL CAJON, CA 92020-2708

Mortgage

Document Number	0000061581
Date	Feb 6, 2020
Instrument	2020-0061581

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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		$752,970 (+2%) Land $310,041 Building $442,929
2025	$9,705.00 (+6.19%) Homeowner's exemption	$738,207 (+4.04%) Land $303,962 Building $434,245
2023	$9,139.00 (+1.54%) Homeowner's exemption	$709,543 Land $292,159 Building $417,384
2022	$9,000.00

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	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 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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