249 Joyce St, El Cajon, CA 92020 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,683 sqft · built 1955
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Company Names on Record
Last Sale	$600,000 (Sep 2020)
Tax Bill	$8,417 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493-132-06-00`

Property Details

APN / Parcel Number

Primary APN	`493-132-06-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,683 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 JOYCE ST
City	EL CAJON
State	CA
Zip	92020-6308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 28 TR 003070
Legal Subdivision	JONATHAN MANOR
Legal Tract	003070
Legal Block	2
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	15301

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 Company Names on Record
Mailing Address	249 JOYCE ST, EL CAJON, CA 92020-6308
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Mar 29, 2004 · Amount on Record
Deed Document Number	2020536069
Last Transfer Date	Nov 1, 2024
Transfer Doc	0000350681
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2020
Property Address	249 JOYCE ST, EL CAJON, CA 92020-6308
Document Number	0000536069
Map Reference	MAP 3070
Instrument Date	Aug 19, 2020
Instrument	2020-0536069
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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	249 JOYCE ST, EL CAJON, CA 92020-6308

Mortgage

Document Number	0000536070
Date	Sep 14, 2020
Instrument	2020-0536070

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	249 JOYCE ST, EL CAJON, CA 92020-6308
Document Number	0000167598
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	Apr 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	249 JOYCE ST EL CAJON CA 920206308, EL CAJON, CA 92020-6308

Mortgage

Document Number	0000167598
Date	Apr 14, 2017
Instrument	167598

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 13, 2022

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		$662,444 (+2%) Land $391,947 Building $270,497
2025	$8,417.00 (+2.81%)	$649,456 (+4.04%) Land $384,262 Building $265,194
2023	$8,187.00 (+1.6%) Homeowner's exemption	$624,240 Land $369,342 Building $254,898
2022	$8,058.00

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 · 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

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

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.

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