364 Chambers St, El Cajon, CA 92020 Property Records

San Diego County property record for 364 Chambers St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,016 sqft · built 1951
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Sep 2019)
Tax Bill	$4,183 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-141-13-00`

Property Details

APN / Parcel Number

Primary APN	`487-141-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,016 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	364 CHAMBERS ST
City	EL CAJON
State	CA
Zip	92020-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 13 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

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	2 Individual Names on Record
Mailing Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 17, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 16, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on Record
Deed Sale	Sep 16, 2019 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	2019403638
Prior Transfer Date	Aug 23, 2013
Prior Transfer Doc	0000551326
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATL TITLE INS COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234

Mortgage

Document Number	0000275635
Date	Oct 3, 2025
Instrument	2025-0275635

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234

Mortgage

Document Number	0000119008
Date	Mar 17, 2022
Instrument	2022-0119008

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234

Mortgage

Document Number	0000706105
Date	Nov 12, 2020
Instrument	2020-0706105

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2019
Property Address	364 CHAMBERS ST, EL CAJON, CA 92020-3234
Document Number	0000403638
Instrument Date	Aug 23, 2019
Instrument	403638
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
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	364 CHAMBERS ST EL CAJON CA 920203234, EL CAJON, CA 92020-3234

Mortgage

Document Number	403639
Date	Sep 16, 2019
Instrument	403639

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

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		$490,822 (+2%) Land $290,031 Building $200,791
2025	$4,183.00 (-46.68%)	$481,199 (+4.04%) Land $284,345 Building $196,854
2023	$7,845.00 (+0.27%)	$462,515 Land $273,304 Building $189,211
2022	$7,824.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	47 units insured incl. 46 condo units
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 2006
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

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 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: GeoLinks, T-Mobile, Verizon.

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