403 Emerald Ave, Apt 8, El Cajon, CA 92020 Property Records

San Diego County property record for 403 Emerald Ave, Apt 8, 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
Last Sale	$330,000 (Apr 2026)
Tax Bill	$2,690 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-542-13-20`

Property Details

APN / Parcel Number

Primary APN	`487-542-13-20`

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, 8
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 US403-8 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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 EMERALD AVE, 8, EL CAJON, CA 92020-5043
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 10, 2026	Grant Deed, Transfer · Conventional Mortgage US MORTGAGE CAPITAL INC
May 26, 2020	Deed of Trust, Mortgage · VA Mortgage POINT MORTGAGE CORP
Dec 6, 2017	Intrafamily Transfer, Transfer · VA Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Dec 6, 2017
Deed Document Number	2026100690
Prior Transfer Date	Dec 1, 2017
Prior Transfer Doc	0000568561
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 EMERALD AVE APT 8, 8, EL CAJON, CA 92020-5043
Transaction Type	Mortgage
Record Updated	Apr 29, 2026
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EMERALD AVE 8, 8, EL CAJON, CA 92020-5043

Mortgage

Document Number	0000756223
Date	Oct 29, 2021
Instrument	2021-0756223

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2026
Property Address	403 EMERALD AVE, 8, EL CAJON, CA 92020-5043
Document Number	0000100690
Instrument Date	Apr 6, 2026
Instrument	2026100690
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,663.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EMERALD AVE, 8, EL CAJON, CA 92020-5043

Mortgage

Document Number	0000100691,
Date	Apr 10, 2026
Instrument	2026100691

Lender

Name	US MORTGAGE CAPITAL INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 EMERALD AVE APT 8, 8, EL CAJON, CA 92020-5043
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000264472
Date	May 26, 2020
Instrument	2020-0264472

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company
Address	CHULA VISTA, CA 91910

Agreement

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

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2017
Property Address	403 EMERALD AVE APT 8, 8, EL CAJON, CA 92020-5043
Document Number	0000568561
Map Reference	MAP14697
Instrument Date	Dec 1, 2017
Instrument	2017-0568561
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EMERALD AVE APT 8, 8, EL CAJON, CA 92020-5043

Mortgage

Document Number	0000568562
Date	Dec 6, 2017
Instrument	2017-0568562

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$230,617 (+2%) Land $86,973 Building $143,644
2025	$2,690.00 (-0.59%)	$226,096 (+4.04%) Land $85,268 Building $140,828
2024	$2,706.00 (+2.66%)
2023	$2,636.00 (+1.58%)	$217,318 Land $81,958 Building $135,360
2022	$2,595.00

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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