2684 Ferdinand Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 2684 Ferdinand Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,333 sqft · built 1975
Lot Size	0.177 acres (7,730 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Dec 2003)
Tax Bill	$10,254 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`486-040-25-00`

Property Details

APN / Parcel Number

Primary APN	`486-040-25-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,333 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	7,730 sqft (0.177 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2684 FERDINAND RD
City	EL CAJON
State	CA
Zip	92020-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	PAR 2 TR PM12635
Legal Subdivision	PARCEL MAP NO 12635
Legal Tract	12635
Legal Block	3
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	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Sep 16, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Aug 15, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 10, 2020	Loan Modification, Mortgage · Line of Credit SAN DIEGO CNTY CU
Oct 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2003 · Amount on Record
Deed Sale	Dec 29, 2003 · Amount on Record
Deed Document Number	20031516106
Last Transfer Date	Jul 21, 2018
Transfer Doc	0000409617
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725

Mortgage

Document Number	0000264900
Date	Sep 24, 2025
Instrument	2025-0264900

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725

Mortgage

Document Number	0000655127
Date	Sep 16, 2021
Instrument	2021-0655127

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000334252
Date	Aug 15, 2018
Instrument	2018-0334252

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 7, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000323724
Date	Jun 22, 2020
Instrument	2020-0323724

Lender

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

Agreement

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

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Document Number	0000323726
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Mortgage

Document Number	0000323726
Date	Jun 22, 2020
Instrument	323726

Lender

Name	SAN DIEGO CNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196-1209

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 2, 2018
Property Address	2684 FERDINAND RD, EL CAJON, CA 92020-2725
Document Number	0000409617
Instrument Date	Jul 21, 2018
Instrument	409617
Transaction Type	Transfer
Record Updated	Oct 10, 2018

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	2684 FERDINAND RD EL CAJON CA 920202725, EL CAJON, CA 92020-2725

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		$792,488 (+2%) Land $261,032 Building $531,456
2025	$10,254.00 (+2.51%) Homeowner's exemption	$776,950 (+4.04%) Land $255,914 Building $521,036
2024	$10,003.00 (+3.03%)
2023	$9,709.00 (+2.39%) Homeowner's exemption	$746,782 Land $245,978 Building $500,804
2022	$9,482.00

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile.

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