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

San Diego County property record for 398 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,341 sqft · built 1960
Lot Size	0.24 acres (10,432 sqft)
Owner	Individual Name on File
Tax Bill	$7,372 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-060-26-00`

Property Details

APN / Parcel Number

Primary APN	`487-060-26-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,341 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	10,432 sqft (0.24 acres)

Location & Zoning

Street Address	398 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	PAR 1 TR PM06881
Legal Subdivision	CITY OF EL CAJON
Legal Tract	6881
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
Census Tract	16100

Owner

398 el Monte Rd is owned and occupied by an individual who acquired it in June 2019.

Source: San Diego County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	398 EL MONTE RD, EL CAJON, CA 92020-3022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Deed of Trust, Mortgage · FHA Mortgage WORLD WIDE CREDIT CORP
Jun 3, 2019	Quit Claim Deed, Transfer · FHA Mortgage WORLD WIDE CREDIT
Jun 3, 2019	Grant Deed, Transfer · FHA Mortgage WORLD WIDE CREDIT
Oct 17, 2018	Grant Deed, Transfer · Conventional Mortgage KIM N T DINH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019
Deed Sale	Jun 3, 2019
Prior Sale	Jun 3, 2019 · Amount on File
Deed Document Number	2019212828
Prior Transfer Date	May 30, 2019
Prior Transfer Doc	0000212828
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 EL MONTE RD, EL CAJON, CA 92020-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 EL NONTE ROAD, EL CAJON, CA 92020-3022

Mortgage

Document Number	0000586455
Date	Sep 30, 2020
Instrument	2020-0586455

Lender

Name	WORLD WIDE CREDIT CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92123

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2019
Property Address	398 EL MONTE RD, EL CAJON, CA 92020-3022
Document Number	0000212828
Instrument Date	May 30, 2019
Instrument	212828
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	398 EL MONTE RD EL CAJON CA 920203022, EL CAJON, CA 92020-3022

Mortgage

Document Number	212829
Date	Jun 3, 2019
Instrument	212829

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2019
Property Address	398 EL MONTE RD, EL CAJON, CA 92020-3022
Document Number	0000212827
Instrument Date	May 30, 2019
Instrument	212827
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$523.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	398 EL MONTE RD EL CAJON CA 920203022, EL CAJON, CA 92020-3022

Mortgage

Document Number	212829
Date	Jun 3, 2019
Instrument	212829

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 17, 2018
Property Address	398 EL MONTE RD, EL CAJON, CA 92020-3022
Document Number	0000431445
Instrument Date	Sep 6, 2018
Instrument	431445
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.45
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11580 ASPENDELL RD EL CAJON CA 92020, EL CAJON, CA 92020

Mortgage

Document Number	431446
Date	Oct 17, 2018
Instrument	431446

Lender

Name	KIM N T DINH
Address	9460 MIRA MESA BLVD # K, SAN DIEGO, CA 92126-4871

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 398 el Monte Rd was $7,372.

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		$540,461 (+2%) Land $265,583 Building $274,878
2025	$7,372.00	$529,865 Land $260,376 Building $269,489
2023	$7,093.00 (+1%)	$509,291 Land $250,266 Building $259,025
2022	$7,023.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 398 el Monte Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

The area around 398 el Monte Rd 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.

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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