403 Emerald Ave, Apt 10, El Cajon, CA 92020 Property Records

San Diego County property record for 403 Emerald Ave, Apt 10, 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 File
Last Sale	$425,000 (May 2022)
Tax Bill	$5,195 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`487-542-13-22`

Property Details

APN / Parcel Number

Primary APN	`487-542-13-22`

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	403 EMERALD AVE, 10
City	EL CAJON
State	CA
Zip	92020-5043
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US403-10PER 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

403 Emerald Ave, Apt 10 is owned and occupied by an individual who bought it in May 2022.

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 File
Mailing Address	403 EMERALD AVE, 10, EL CAJON, CA 92020-5043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Grant Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 29, 2021	Grant Deed, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC
Apr 25, 2019	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2022 · Amount on File
Deed Sale	May 25, 2022 · Amount on File
Prior Sale	Jan 29, 2021 · Amount on File
Deed Document Number	2022223668
Prior Transfer Date	Oct 27, 2009
Prior Transfer Doc	0000598456
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 25, 2022
Property Address	403 EMERALD AVE APT 10, 10, EL CAJON, CA 92020-5043
Document Number	0000223668
Map Reference	MAP 14697
Instrument Date	May 6, 2022
Instrument	2022-0223668
Transaction Type	Transfer
Record Updated	Jun 3, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EMERALD AVE APT 10, 10, EL CAJON, CA 92020-5043
Investor	Possibly a Property Investor

Mortgage

Document Number	0000223669
Date	May 25, 2022
Instrument	2022-0223669

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 29, 2021
Property Address	403 EMERALD AVE APT 10, 10, EL CAJON, CA 92020-5043
Document Number	0000072669
Map Reference	MAP 14697
Instrument Date	Jan 4, 2021
Instrument	2021-0072669
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 669, STRATFORD, CA 93266-0669

Mortgage

Document Number	0000072670
Date	Jan 29, 2021
Instrument	2021-0072670

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 25, 2019
Property Address	403 EMERALD AVE APT 10, 10, EL CAJON, CA 92020-5043
Document Number	0000152924
Instrument Date	Mar 27, 2019
Instrument	152924
Transaction Type	Transfer
Record Updated	May 6, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EMERALD AVE #10 EL CAJON CA 920205043, 10, EL CAJON, CA 92020-5043

Mortgage

Document Number	152925
Date	Apr 25, 2019
Instrument	152925

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 403 Emerald Ave, Apt 10 was $5,195.

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		$410,000 (-6.82%) Land $112,000 Building $298,000
2025	$5,195.00	$440,000 Land $121,000 Building $319,000
2023	$5,046.00 (+52.31%)	$419,000 Land $116,000 Building $303,000
2022	$3,313.00

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

Flood

FEMA maps place 403 Emerald Ave, Apt 10 in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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

The area around 403 Emerald Ave, Apt 10 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 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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