294 Chambers St, Apt 45, El Cajon, CA 92020 Property Records

San Diego County property record for 294 Chambers St, Apt 45, El Cajon, CA 92020

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 722 sqft · built 1974
Lot Size	2.25 acres (98,032 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Mar 2026)
Tax Bill	$2,603 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2026 Sale & Mortgage + 13 more
Flood Zone	Zone X (moderate risk)
APN	`487-130-14-44`

Property Details

APN / Parcel Number

Primary APN	`487-130-14-44`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	722 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Condo/Apartment
Lot Area	98,032 sqft

Location & Zoning

Street Address	294 CHAMBERS ST, 45
City	EL CAJON
State	CA
Zip	92020-3361
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 10 US12B PER DOC73-210741&UND INT IN POR OF TR 000128
Legal Subdivision	KNOXVILLE
Legal Tract	000128
Legal Block	2
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

Owner

294 Chambers St, Apt 45 is owned by an individual who bought it in March 2026.

Source: San Diego County records, as of July 28, 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	Individual Name on File
Mailing Address	294 CHAMBERS ST, 45, EL CAJON, CA 92020-3361
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 30, 2026	Grant Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Nov 21, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage SANDIE HARTUNG
Nov 21, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 21, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO
Dec 7, 2022	Intrafamily Transfer, Transfer
Dec 7, 2022	Intrafamily Transfer, Transfer
Apr 5, 2022	Grant Deed, Transfer · Conventional Mortgage NAVY FCU
Dec 5, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 19, 2019	Quit Claim Deed, Transfer · Conventional Mortgage DAVID WILLIAM VERGANI PRI (CT)
Aug 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 19, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO
Feb 15, 2019	Quit Claim Deed, Transfer Quitclaim
Jun 26, 2018	Quit Claim Deed, Transfer LAWYERS TITLE
Jun 25, 2018	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2026 · Amount on File
Deed Sale	Mar 30, 2026 · Amount on File
Prior Sale	Sep 19, 2019 · Amount on File
Deed Document Number	202687343
Prior Transfer Date	Nov 20, 2023
Prior Transfer Doc	0000324504
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2739 SANDLERS CREEK ROAD, CHULA VISTA, CA 91914-2605

Mortgage

Document Number	0000858255
Date	Dec 21, 2021
Instrument	2021-0858255

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2026
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000087343
Map Reference	MAP 128
Instrument Date	Mar 10, 2026
Instrument	2026-0087343
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361

Mortgage

Document Number	0000087344
Date	Mar 30, 2026
Instrument	2026-0087344

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 21, 2023
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000324504
Map Reference	MAP 128
Instrument Date	Nov 20, 2023
Instrument	2023-0324504
Transaction Type	Transfer
Record Updated	Dec 5, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN 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
Address	2739 SADLERS CREEK RD, CHULA VISTA, CA 91914-2605

Mortgage

Document Number	0000324505
Date	Nov 21, 2023
Instrument	2023-0324505

Lender

Name	SANDIE HARTUNG
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 21, 2023
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000324506
Map Reference	MAP, 128
Instrument Date	Nov 20, 2023
Instrument	2023-0324506
Transaction Type	Transfer
Record Updated	Dec 5, 2023
Title Company	ACCOMODATION, 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 Trust
Address	2739 SADLERS CREEK RD, CHULA VISTA, CA 91914-2605

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 21, 2023
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000324503
Map Reference	MAP 128
Instrument Date	Nov 20, 2023
Instrument	2023-0324503
Transaction Type	Transfer
Record Updated	Dec 5, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN 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
Address	2739 SALDERS CREEK ROAD, CHULA VISTA, CA 91914-2605

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2022
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000460524
Map Reference	MAP 128
Instrument Date	Nov 14, 2022
Instrument	2022-0460524
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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 Trust
Address	2739 SADLERS CREEK RD, CHULA VISTA, CA 91914-2605

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2022
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000460523
Map Reference	MAP 128
Instrument Date	Nov 14, 2022
Instrument	2022-0460523
Transaction Type	Transfer
Record Updated	Dec 15, 2022

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
Address	2739 SADLERS CREEK RD, CHULA VISTA, CA 91914-2605

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2022
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000149865
Map Reference	MAP 128
Instrument Date	Mar 5, 2022
Instrument	2022-0149865
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	2003 HAWKINS WAY, SPRING VALLEY, CA 91977-3520

Mortgage

Document Number	0000149866
Date	Apr 5, 2022
Instrument	2022-0149866

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2019
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000566647
Instrument Date	Dec 3, 2019
Instrument	566647
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2739 SANDLER CREEK RD CHULA VISTA CA 91914, CHULA VISTA, CA 91914

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000413053
Instrument Date	Sep 17, 2019
Instrument	413053
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	294 CHAMBERS ST #45 EL CAJON CA 920203361, 45, EL CAJON, CA 92020-3361

Mortgage

Document Number	413054
Date	Sep 19, 2019
Instrument	413054

Lender

Name	DAVID WILLIAM VERGANI PRI (CT)
Address	LA JOLLA, CA 92037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2024

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2019
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000366730
Instrument Date	Aug 27, 2019
Instrument	366730
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2739 SADLERS CREEK RD CHULA VISTA CA 919142605, CHULA VISTA, CA 91914-2605

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000413052
Instrument Date	Jun 17, 2019
Instrument	413052
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Tax	$161.15
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	294 CHAMBERS ST #45 EL CAJON CA 920203361, 45, EL CAJON, CA 92020-3361

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 15, 2019
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000055677
Instrument Date	Feb 14, 2019
Instrument	55677
Transaction Type	Transfer
Record Updated	Feb 25, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3128 CHULA VISTA CA 919093128, CHULA VISTA, CA 91909-3128

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 26, 2018
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000259441
Instrument Date	Jun 25, 2018
Instrument	259441
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2789 SADLERS CREEK RD CHULA VISTA CA 91914, CHULA VISTA, CA 91914

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2018
Property Address	294 CHAMBERS ST APT 45, 45, EL CAJON, CA 92020-3361
Document Number	0000258058
Instrument Date	Jun 18, 2018
Instrument	258058
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$104.50
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ORANGE AVE CHULA VISTA CA 919114100, CHULA VISTA, CA 91911-4100

Tax Assessment & Valuation

The 2025 property tax bill for 294 Chambers St, Apt 45 was $2,603, down 0.6% from the year before.

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		$223,098 (+2%) Land $139,437 Building $83,661
2025	$2,603.00 (-0.61%)	$218,724 Land $136,703 Building $82,021
2024	$2,619.00 (+2.67%)
2023	$2,551.00 (+1.55%)	$210,233 Land $131,396 Building $78,837
2022	$2,512.00

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

Flood

FEMA maps place 294 Chambers St, Apt 45 in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	47 units insured incl. 46 condo units
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 2006
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

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

The area around 294 Chambers St, Apt 45 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.

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

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

May also be available: GeoLinks, T-Mobile, Verizon.

Nearby Properties on Chambers St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures