San Diego County property record for 2586 Chatham St, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,334 sqft · built 1959 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (Dec 2019) |
| Tax Bill | $8,543 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 481-350-06-00 |
| Primary APN | 481-350-06-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2586 CHATHAM ST |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-2710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 38 TR 002692 |
| Legal Subdivision | HOSMER STREET SUB |
| Legal Tract | 002692 |
| Legal Block | 3 |
| Legal Lot Number | 38 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 16100 |
2586 Chatham St is owned and occupied by two individuals who bought it in December 2019.
Source: San Diego County records, as of August 14, 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 File |
|---|---|
| Mailing Address | 2586 CHATHAM ST, EL CAJON, CA 92020-2710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 6, 2019 | Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Prior Sale | May 23, 2014 · Amount on File |
| Deed Document Number | 2019569833 |
| Prior Transfer Date | Nov 8, 2002 |
| Prior Transfer Doc | 0001071280 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2586 CHATHAM ST, EL CAJON, CA 92020-2710 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 2586 CHATHAM ST, EL CAJON, CA 92020-2710 |
| Document Number | 0000488080 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 2021-0488080 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 6, 2019 |
| Property Address | 2586 CHATHAM ST, EL CAJON, CA 92020-2710 |
| Document Number | 0000569833 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 569833 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | TICOR TITLE-SAN DIEGO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $643.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2506 CHATHAM ST EL CAJON CA 92020, EL CAJON, CA 92020 |
| Document Number | 569834 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 569834 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $652,573 (+2%) Land $312,023 Building $340,550 | |
| 2025 | $8,543.00 (+6.27%) Homeowner's exemption | $639,778 (+4.04%) Land $305,905 Building $333,873 |
| 2023 | $8,039.00 (+1.36%) Homeowner's exemption | $614,936 Land $294,027 Building $320,909 |
| 2022 | $7,931.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2586 Chatham St in Zone X, an area of minimal flood risk.
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.
The area around 2586 Chatham St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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