249 Carter St, El Cajon, CA 92020 Property Records

San Diego County property record for 249 Carter St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1955
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,000 (Jul 2008)
Tax Bill	$5,194 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`493-133-06-00`

Property Details

APN / Parcel Number

Primary APN	`493-133-06-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,274 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	5,800 sqft (0.133 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	249 CARTER ST
City	EL CAJON
State	CA
Zip	92020-6301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 50 TR 003070
Legal Subdivision	JONATHAN MANOR
Legal Tract	003070
Legal Block	1
Legal Lot Number	50
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1008
Census Tract	15301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	249 CARTER ST, EL CAJON, CA 92020-6301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
Jul 7, 2022	Deed of Trust, Mortgage · VA Mortgage LEADING MORTGAGE SOLUTIONS INC
Oct 27, 2021	Deed of Trust, Mortgage · VA Mortgage LEADING MORTGAGE SOLUTIONS INC
Oct 26, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2008 · Amount on Record
Deed Sale	Jul 31, 2008 · Amount on Record
Prior Sale	Jun 12, 2008 · Amount on Record
Deed Document Number	2008411473
Prior Transfer Date	Mar 6, 1997
Prior Transfer Doc	0000164521
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	249 CARTER ST, EL CAJON, CA 92020-6301
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CARTER ST, EL CAJON, CA 92020-6301

Mortgage

Document Number	0000078259
Date	Mar 29, 2024
Instrument	2024-0078259

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	249 CARTER ST, EL CAJON, CA 92020-6301
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CARTER ST, EL CAJON, CA 92020-6301

Mortgage

Document Number	0000279004
Date	Jul 7, 2022
Instrument	2022-0279004

Lender

Name	LEADING MORTGAGE SOLUTIONS INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	249 CARTER ST, EL CAJON, CA 92020-6301
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CARTER ST, EL CAJON, CA 92020-6301

Mortgage

Document Number	0000747672
Date	Oct 27, 2021
Instrument	2021-0747672

Lender

Name	LEADING MORTGAGE SOLUTIONS INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	249 CARTER ST, EL CAJON, CA 92020-6301
Document Number	0000778318
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CARTER ST EL CAJON CA 920206301, EL CAJON, CA 92020-6301

Mortgage

Document Number	0000778318
Date	Dec 4, 2020
Instrument	778318

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Dec 3, 2043

Interest

Rate	3.25%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	249 CARTER ST, EL CAJON, CA 92020-6301
Document Number	0000037506
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	249 CARTER ST EL CAJON CA 920206301, EL CAJON, CA 92020-6301

Mortgage

Document Number	0000037506
Date	Jan 30, 2018
Instrument	37506

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 29, 2043

Interest

Rate Type	Adjustable Rate

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
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		$396,659 (+2%) Land $288,961 Building $107,698
2025	$5,194.00 (+1.41%)	$388,883 (+4.04%) Land $283,296 Building $105,587
2023	$5,122.00 (+1.73%)	$373,785 Land $272,297 Building $101,488
2022	$5,035.00

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

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

May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

Nearby Properties on Carter St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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