320 Carter St, El Cajon, CA 92020 Property Records

San Diego County property record for 320 Carter St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,084 sqft · built 1965
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Jul 2022)
Tax Bill	$11,852 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-132-16-00`

Property Details

APN / Parcel Number

Primary APN	`493-132-16-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,084 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	5,800 sqft (0.133 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	320 CARTER ST
City	EL CAJON
State	CA
Zip	92020-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 38 TR 003070
Legal Subdivision	JONATHAN MANOR
Legal Tract	003070
Legal Block	2
Legal Lot Number	38
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 28, 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	320 CARTER ST, EL CAJON, CA 92020-6304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 29, 2022	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 8, 2022	Grant Deed, Construction Loan · Construction Mortgage ANCHOR LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Mar 8, 2022 · Amount on Record
Deed Document Number	2022311340
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	0000251196
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	320 CARTER ST, EL CAJON, CA 92020-6304
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CARTER ST, EL CAJON, CA 92020-6304

Mortgage

Document Number	0000283931
Date	Apr 13, 2021
Instrument	2021-0283931

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 29, 2022
Property Address	320 CARTER ST, EL CAJON, CA 92020-6304
Document Number	0000311340
Map Reference	MAP 3070
Instrument Date	Jun 29, 2022
Instrument	2022-0311340
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	320 CARTER ST, EL CAJON, CA 92020-6304

Mortgage

Document Number	0000311341
Date	Jul 29, 2022
Instrument	2022-0311341

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2022: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 8, 2022
Property Address	320 CARTER ST, EL CAJON, CA 92020-6304
Document Number	0000103828
Map Reference	MAP 3070
Instrument Date	Mar 2, 2022
Instrument	2022-0103828
Transaction Type	Construction Loan
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	7580 TRADE ST, SAN DIEGO, CA 92121-2479
Investor	Possibly a Property Investor

Mortgage

Document Number	0000103829
Date	Mar 8, 2022
Instrument	2022-0103829

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$954,978 (+2%) Land $402,095 Building $552,883
2025	$11,852.00 (+2.84%)	$936,254 (+4.04%) Land $394,211 Building $542,043
2023	$11,525.00 (+104.53%)	$899,900 Land $378,904 Building $520,996
2022	$5,635.00

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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