2765 W Main St, El Centro, CA 92243 Property Records

Imperial County property record for 2765 W Main St, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,251 sqft · built 1974
Lot Size	2.68 acres (116,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Sep 2024)
Tax Bill	$7,612 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`052-042-025-000`

Property Details

APN / Parcel Number

Primary APN	`052-042-025-000`
Alternative APNs	`0520422501` `05204225`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,251 sqft Living Area
1st Floor Area	2,251 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	116,741 sqft
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	2765 W MAIN ST
City	EL CENTRO
State	CA
Zip	92243-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 425FT OF S 725FT OF W 274.5FT TR 270 15/16-13 E OF SRA
Legal Subdivision	TRACT #270
Legal Tract	270
Legal Block	2
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	2
Census Block	2009
Census Tract	11801

Owner

Source: Imperial County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 6, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 26, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 6, 2018	Grant Deed, Transfer · VA Mortgage SOUTH PACIFIC FINANCIAL CORP
Sep 19, 2017	Quit Claim Deed STEWART TITLE
Sep 19, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Prior Sale	Nov 6, 2018
Deed Document Number	202415484
Prior Transfer Date	Sep 19, 2017
Prior Transfer Doc	0000020940
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286

Mortgage

Document Number	0000004848
Date	Mar 26, 2024
Instrument	2024004848

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286

Mortgage

Document Number	0000010572
Date	May 6, 2021
Instrument	2021010572

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019498
Date	Sep 26, 2019
Instrument	2019019498

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Nov 6, 2018
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Document Number	0000020385
Instrument Date	Aug 24, 2018
Instrument	2018020385
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	UNISOURCE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286

Mortgage

Document Number	0000020386
Date	Nov 6, 2018
Instrument	2018020386

Lender

Name	SOUTH PACIFIC FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2048

September 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	IMPERIAL CA
Recording Date	Sep 19, 2017
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Document Number	0000020940
Instrument Date	Sep 19, 2017
Instrument	20940
Record Updated	Nov 6, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10351 AZUAGA ST #103 SAN DIEGO CA 921294089, 103, SAN DIEGO, CA 92129-4089

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Sep 19, 2017
Property Address	2765 W MAIN ST, EL CENTRO, CA 92243-2286
Document Number	0000020941
Instrument Date	Sep 11, 2017
Instrument	20941
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

Source: Imperial County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	California
County	Imperial County
Municipality	El Centro City
Secondary School District	Central Union High School District (09 - 12)
Elementary School District	McCabe Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$708,900 (+2%) Land $153,000 Building $555,900
2025	$7,612.00 (+202.06%)	$695,000 (+76.53%) Land $150,000 Building $545,000
2024	$2,520.00 (-2.14%)
2023	$2,575.00 (-1%) Disabled Person's exemption Veteran's exemption	$393,709 Land $164,045 Building $229,664
2022	$2,601.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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