2523 Ferdinand Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 2523 Ferdinand Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,025 sqft · built 1980
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on Record
Tax Bill	$3,549 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-040-23-00`

Property Details

APN / Parcel Number

Primary APN	`486-040-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,025 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	7,100 sqft (0.163 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2523 FERDINAND RD
City	EL CAJON
State	CA
Zip	92020-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOTS 22 & 23 POR TR 002736
Legal Subdivision	FERDINAND ROAD SUB
Legal Tract	002736
Legal Block	3
Legal Lot Number	22,23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3014
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	2523 FERDINAND RD, EL CAJON, CA 92020-2723
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 8, 2021	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 7, 2021
Transfer Doc	0000097115
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000352668
Date	Aug 20, 2019
Instrument	2019-0352668

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123618
Date	Mar 10, 2020
Instrument	2020-0123618

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2021
Property Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723
Document Number	0000097115
Map Reference	MAP 2736
Instrument Date	Jan 7, 2021
Instrument	2021-0097115
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property with Right of Survivorship
Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723

Mortgage

Document Number	0000097116
Date	Feb 8, 2021
Instrument	2021-0097116

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2021
Property Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723
Document Number	0000097117
Map Reference	MAP 2736
Instrument Date	Jan 7, 2021
Instrument	2021-0097117
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Revocable Trust
Address	2523 FERDINAND RD, EL CAJON, CA 92020-2723

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		$278,664 (+2%) Land $82,700 Building $195,964
2025	$3,549.00 (-2.71%) Homeowner's exemption	$273,201 (+4.04%) Land $81,079 Building $192,122
2023	$3,648.00 (-6.41%) Homeowner's exemption	$262,594 Land $77,932 Building $184,662
2022	$3,898.00

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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