320 Witherspoon Way, El Cajon, CA 92020 Property Records

San Diego County property record for 320 Witherspoon Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,568 sqft · built 1962
Lot Size	0.188 acres (8,200 sqft)
Owner	Individual Name on Record
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`481-591-02-00`

Property Details

APN / Parcel Number

Primary APN	`481-591-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	8,200 sqft (0.188 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	320 WITHERSPOON WAY
City	EL CAJON
State	CA
Zip	92020-2748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 9 TR 004630
Legal Subdivision	WITHERSPOON TERRACE
Legal Tract	004630
Legal Block	3
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 1, 2017	Quit Claim Deed, Transfer · Conventional Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 28, 2019
Transfer Doc	0000412443
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748

Mortgage

Document Number	0000562999
Date	Sep 23, 2020
Instrument	2020-0562999

Lender

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

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748
Document Number	0000412443
Instrument Date	Aug 28, 2019
Instrument	412443
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WITHERSPOON WAY EL CAJON CA 920202748, EL CAJON, CA 92020-2748

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748
Document Number	0000065197
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 WITHERSPOON WAY EL CAJON CA 920202748, EL CAJON, CA 92020-2748

Mortgage

Document Number	0000065197
Date	Feb 25, 2019
Instrument	65197

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 24, 2049

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 1, 2017
Property Address	320 WITHERSPOON WAY, EL CAJON, CA 92020-2748
Document Number	0000097750
Instrument Date	Feb 24, 2017
Instrument	97750
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
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	320 WITHERSPOON WAY EL CAJON CA 920202748, EL CAJON, CA 92020-2748

Mortgage

Document Number	97751
Date	Mar 1, 2017
Instrument	97751

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$103,620 (+2%) Land $35,075 Building $68,545
2025	$2,095.00 (+17.17%) Homeowner's exemption	$101,589 (+4.04%) Land $34,388 Building $67,201
2023	$1,788.00 (-7.36%) Homeowner's exemption	$97,646 Land $33,053 Building $64,593
2022	$1,930.00

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 minimal risk
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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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