391 Emerald Ave, Apt 5, El Cajon, CA 92020 Property Records

San Diego County property record for 391 Emerald Ave, Apt 5, El Cajon, CA 92020

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 840 sqft · built 1977
Lot Size	1.04 acres (45,490 sqft)
Owner	Individual Name on Record
Tax Bill	$5,077 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-542-13-05`

Property Details

APN / Parcel Number

Primary APN	`487-542-13-05`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	840 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Condo/Apartment
Lot Area	45,490 sqft

Location & Zoning

Street Address	391 EMERALD AVE, 5
City	EL CAJON
State	CA
Zip	92020-5051
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US391-5 PER DOC03-1267262&UND INT IN TR 014697
Legal Subdivision	EMERALD ESTATES
Legal Tract	014697
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1002
Census Tract	15901

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	391 EMERALD AVE, 5, EL CAJON, CA 92020-5051
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Gift Deed, Transfer · VA Mortgage AMERICAN FINANCIAL SERVICES INC
Feb 13, 2024	Intrafamily Transfer, Transfer TRICO TITLE COMPANY, TICOR TITLE COMPANY
Feb 13, 2024	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Mar 9, 2023	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026
Deed Sale	Apr 29, 2026
Prior Sale	Feb 13, 2024 · Amount on Record
Deed Document Number	2026120574
Prior Transfer Date	Apr 24, 2026
Prior Transfer Doc	0000120574
Record Updated	Oct 29, 2026

April 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2026
Property Address	391 EMERALD AVE, 5, EL CAJON, CA 92020-5051
Document Number	0000120574
Instrument Date	Apr 24, 2026
Instrument	2026120574
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	TRICO TITLE COMPANY, TICOR TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 EMERALD AVE, 5, EL CAJON, CA 92020-5051

Mortgage

Document Number	0000120575,
Date	Apr 29, 2026
Instrument	2026120575

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 13, 2024
Property Address	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051
Document Number	0000037222
Map Reference	MAP 14697
Instrument Date	Dec 26, 2023
Instrument	2024-0037222
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	TRICO 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	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 13, 2024
Property Address	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051
Document Number	0000037223
Map Reference	MAP 14697
Instrument Date	Dec 8, 2023
Instrument	2024-0037223
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051

Mortgage

Document Number	0000037224
Date	Feb 13, 2024
Instrument	2024-0037224

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2023
Property Address	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051
Document Number	0000061260
Map Reference	MAP 14697
Instrument Date	Feb 1, 2023
Instrument	2023-0061260
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	391 EMERALD AVE APT 5, 5, EL CAJON, CA 92020-5051

Mortgage

Document Number	0000061261
Date	Mar 9, 2023
Instrument	2023-0061261

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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		$438,527 (+2%) Land $226,805 Building $211,722
2025	$5,077.00 (+3.93%)	$429,929 (+72.68%) Land $222,358 Building $207,571
2024	$4,885.00 (+66.67%)
2023	$2,931.00 (+1.63%) Homeowner's exemption	$248,970 Land $128,767 Building $120,203
2022	$2,884.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 618 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, Wyyerd Connect.

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