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

San Diego County property record for 321 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 848 sqft · built 1952
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$417,000 (Sep 2019)
Tax Bill	$6,263 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`487-091-05-00`

Property Details

APN / Parcel Number

Primary APN	`487-091-05-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	848 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	6,900 sqft (0.158 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	321 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 109 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	109
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 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Sep 19, 2019	Grant Deed, Transfer · FHA Mortgage WALLICK & VOLK
Jun 15, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 17, 2018	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Prior Sale	Dec 10, 1991 · Amount on Record
Deed Document Number	2019412874
Last Transfer Date	Jan 12, 2021
Transfer Doc	0000038437
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 EL MONTE RD, EL CAJON, CA 92020-3021

Mortgage

Document Number	0000254517
Date	Jun 17, 2022
Instrument	2022-0254517

Lender

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

Agreement

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

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 19, 2021
Property Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000038437
Map Reference	MAP 2740
Instrument Date	Jan 12, 2021
Instrument	2021-0038437
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE IE

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	321 EL MONTE RD, EL CAJON, CA 92020-3021

Mortgage

Document Number	0000038438
Date	Jan 19, 2021
Instrument	2021-0038438

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2019
Property Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000412874
Instrument Date	Aug 12, 2019
Instrument	412874
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 EL MONTE RD EL CAJON CA 920203021, EL CAJON, CA 92020-3021

Mortgage

Document Number	412875
Date	Sep 19, 2019
Instrument	412875

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Mortgage

Document Number	412876,
Date	Sep 19, 2019
Instrument	412876

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82003

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2018
Property Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000244369
Instrument Date	May 26, 2018
Instrument	244369
Transaction Type	Transfer
Record Updated	Jun 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	321 EL MONTE RD EL CAJON CA 920203021, EL CAJON, CA 92020-3021

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 EL MONTE RD, EL CAJON, CA 92020-3021
Document Number	0000077948
Instrument Date	Feb 17, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 EL MONTE RD EL CAJON CA 920203021, EL CAJON, CA 92020-3021

Mortgage

Document Number	0000077948
Date	Feb 28, 2018
Instrument	77948

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 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		$477,899 (+2%) Land $209,906 Building $267,993
2025	$6,263.00 (-0.74%)	$468,530 (+4.04%) Land $205,791 Building $262,739
2023	$6,310.00 (+7.13%)	$450,338 Land $197,800 Building $252,538
2022	$5,890.00

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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