309 Chambers St, El Cajon, CA 92020 Property Records

San Diego County property record for 309 Chambers St, El Cajon, CA 92020

Property Summary

Property Type	Multi-Family Dwellings
Details	12 bd · 6 ba · 4,524 sqft · built 1958
Lot Size	0.194 acres (8,453 sqft)
Owner	Company Name on File
Last Sale	$1,525,000 (Apr 2022)
Tax Bill	$22,731 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`487-172-40-00`

Property Details

APN / Parcel Number

Primary APN	`487-172-40-00`

Interior

Bedrooms	12 Beds
Full Baths	6 Baths
Units	6 Units
Stories	2 Stories
Building Area	4,524 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Multi-Family
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,453 sqft (0.194 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Open

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	309 CHAMBERS ST
City	EL CAJON
State	CA
Zip	92020-3229
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RM-2200
Legal Description	LOT 11 /EXC NLY 70 FT/ & /EXC SLY 140 FT/ & /EXC ST OP/ TR 001716
Legal Subdivision	PALM ACRES
Legal Tract	001716
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	15801

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	PO BOX 675101, RANCHO SANTA FE, CA 92067-5101
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST REPUBLIC BANK
Apr 1, 2022	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Sep 1, 2017	Deed of Trust, Mortgage BROADWAY FED'L BK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Aug 31, 2012 · Amount on Record
Deed Document Number	2022145656
Prior Transfer Date	Jun 25, 2014
Prior Transfer Doc	0000265394
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	309 CHAMBERS ST, EL CAJON, CA 92020-3229
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 675101, RANCHO SANTA FE, CA 92067-5101

Mortgage

Document Number	0000264610
Date	Jun 27, 2022
Instrument	2022-0264610

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2022
Property Address	309 CHAMBERS ST, EL CAJON, CA 92020-3229
Document Number	0000145656
Map Reference	MAP 1716
Instrument Date	Feb 10, 2022
Instrument	2022-0145656
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	PO BOX 675101, RANCHO SANTA FE, CA 92067-5101

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	309 CHAMBERS ST, EL CAJON, CA 92020-3229
Document Number	0000425088
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9382 ADOLPHIA ST SAN DIEGO CA 921293555, SAN DIEGO, CA 92129-3555

Mortgage

Document Number	0000425088
Date	Sep 15, 2017
Instrument	425088

Lender

Name	BROADWAY FED'L BK FSB
Type	Bank
Address	INGLEWOOD, CA 90301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.97%

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		$1,650,706 (+2%) Land $757,701 Building $893,005
2025	$22,731.00 (+7.51%)	$1,618,341 (+4.04%) Land $742,845 Building $875,496
2023	$21,144.00 (+90.02%)	$1,555,500 Land $714,000 Building $841,500
2022	$11,127.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Not rated no burnable land within ember reach

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: California Internet, T-Mobile USA, Verizon.

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