San Diego County property record for 398 Carter St, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,190 sqft · built 1955 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $309,000 (Apr 2003) |
| Tax Bill | $6,485 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493-132-12-00 |
| Primary APN | 493-132-12-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,190 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 398 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 34 TR 003070 |
| Legal Subdivision | JONATHAN MANOR |
| Legal Tract | 003070 |
| Legal Block | 2 |
| Legal Lot Number | 34 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 15301 |
398 Carter St is owned and occupied by two individuals who acquired it in September 2021.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 CARTER ST, EL CAJON, CA 92020-6304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Sep 15, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2003 · Amount on File |
| Deed Sale | Apr 22, 2003 · Amount on File |
| Deed Document Number | 2003465243 |
| Last Transfer Date | Sep 7, 2021 |
| Transfer Doc | 0000654624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 398 CARTER ST, EL CAJON, CA 92020-6304 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 398 CARTER ST, EL CAJON, CA 92020-6304 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005343 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026-0005343 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jan 31, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 15, 2021 |
| Property Address | 398 CARTER ST, EL CAJON, CA 92020-6304 |
| Document Number | 0000654624 |
| Map Reference | MAP 3070 |
| Instrument Date | Sep 7, 2021 |
| Instrument | 2021-0654624 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 398 CARTER ST, EL CAJON, CA 92020-6304 |
| Document Number | 0000654625 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021-0654625 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 398 Carter St was $6,485.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $461,480 (+2%) Land $265,903 Building $195,577 | |
| 2025 | $6,485.00 | $452,433 Land $260,690 Building $191,743 |
| 2023 | $5,910.00 (-4.42%) | $434,867 Land $250,568 Building $184,299 |
| 2022 | $6,183.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 398 Carter St in Zone X, an area of minimal flood risk.
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.
The area around 398 Carter St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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