319 Joyce St, El Cajon, CA 92020 Property Records

San Diego County property record for 319 Joyce St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,680 sqft · built 1955
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Jun 2001)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`493-132-07-00`

Property Details

APN / Parcel Number

Primary APN	`493-132-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	5,800 sqft (0.133 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	319 JOYCE ST
City	EL CAJON
State	CA
Zip	92020-6310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 29 TR 003070
Legal Subdivision	JONATHAN MANOR
Legal Tract	003070
Legal Block	2
Legal Lot Number	29
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	15301

Owner

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 9, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 27, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2001 · Amount on Record
Deed Sale	Jun 15, 2001 · Amount on Record
Prior Sale	Feb 1, 1989 · Amount on Record
Deed Document Number	2001403774
Last Transfer Date	Sep 16, 2020
Transfer Doc	0000578355
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 JOYCE ST, EL CAJON, CA 92020-6310

Mortgage

Document Number	0000020964
Date	Jan 26, 2023
Instrument	2023-0020964

Lender

Name	BANNER BANK
Type	Bank
Address	ESCONDIDO, CA 92027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000282517
Date	Jul 15, 2019
Instrument	2019-0282517

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2020
Property Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Document Number	0000578355
Map Reference	MAP 3070
Instrument Date	Sep 16, 2020
Instrument	2020-0578355
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

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	319 JOYCE ST, EL CAJON, CA 92020-6310

Mortgage

Document Number	0000578356
Date	Sep 28, 2020
Instrument	2020-0578356

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 9, 2019
Property Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Document Number	0000572841
Map Reference	MAP 3070
Instrument Date	Dec 3, 2019
Instrument	2019-0572841
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE 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	319 JOYCE ST, EL CAJON, CA 92020-6310

Mortgage

Document Number	0000572842
Date	Dec 9, 2019
Instrument	2019-0572842

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2018
Property Address	319 JOYCE ST, EL CAJON, CA 92020-6310
Document Number	0000489545
Map Reference	MAP 3070
Instrument Date	Nov 21, 2018
Instrument	2018-0489545
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

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	Joint Tenants
Address	319 JOYCE ST, EL CAJON, CA 92020-6310

Mortgage

Document Number	0000489546
Date	Nov 27, 2018
Instrument	2018-0489546

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$351,944 (+2%) Land $153,686 Building $198,258
2025	$4,618.00 (+2.71%) Homeowner's exemption	$345,044 (+4.04%) Land $150,673 Building $194,371
2023	$4,496.00 (+2.14%) Homeowner's exemption	$331,647 Land $144,823 Building $186,824
2022	$4,402.00

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

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

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

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

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