305 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 305 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,494 sqft · built 1952
Lot Size	0.158 acres (6,900 sqft)
Owner	Company Name on Record
Last Sale	$460,000 (May 2019)
Tax Bill	$8,226 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-091-07-00`

Property Details

APN / Parcel Number

Primary APN	`487-091-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,494 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	305 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 107 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	107
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
Census Tract	16100

Owner

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	Company Name on Record
Mailing Address	305 EL MONTE RD, EL CAJON, CA 92020-3021
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Mar 25, 2022	Intrafamily Transfer, Transfer
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 15, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	2019183554
Last Transfer Date	Mar 21, 2022
Transfer Doc	0000133195
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	305 EL MONTE RD, EL CAJON, CA 92020-3021
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EL MONTE RD, EL CAJON, CA 92020-3021

Mortgage

Document Number	0000453513
Date	Nov 30, 2022
Instrument	2022-0453513

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 25, 2022
Property Address	305 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000133195
Map Reference	MAP 2740
Instrument Date	Mar 21, 2022
Instrument	2022-0133195
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	305 EL MONTE RD, EL CAJON, CA 92020-3021

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	305 EL MONTE RD, EL CAJON, CA 92020-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267676
Date	May 27, 2020
Instrument	2020-0267676

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2019
Property Address	305 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000183554
Map Reference	MAP 2740
Instrument Date	Apr 16, 2019
Instrument	2019-0183554
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	305 EL MONTE RD, EL CAJON, CA 92020-3021

Mortgage

Document Number	0000183555
Date	May 15, 2019
Instrument	2019-0183555

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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
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		$633,564 (+2%) Land $306,236 Building $327,328
2025	$8,226.00 (+26.38%)	$621,142 (+25.97%) Land $300,232 Building $320,910
2023	$6,509.00 (+0.54%)	$493,103 Land $278,771 Building $214,332
2022	$6,474.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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

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 358 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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