411 Emerald Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 411 Emerald Ave, El Cajon, CA 92020

Property Summary

Property Type	Multi-Family Dwellings
Details	18 bd · 9.5 ba · 6,996 sqft · built 1974
Lot Size	0.356 acres (15,487 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Feb 2002)
Tax Bill	$14,416 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2021 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`487-542-02-00`

Property Details

APN / Parcel Number

Primary APN	`487-542-02-00`

Interior

Bedrooms	18 Beds
Full Baths	9.5 Baths
Half Baths	1 Half Bath
Units	9 Units
Building Area	6,996 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Multi-Family
Lot Area	15,487 sqft (0.356 acres)

Location & Zoning

Street Address	411 EMERALD AVE
City	EL CAJON
State	CA
Zip	92020-5075
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RM-2200
Legal Description	LOT 19 (EX DRAINAGE CHANNEL) TR 001621
Legal Subdivision	EL CAJON ACRES
Legal Tract	001621
Legal Block	1
Legal Lot Number	19
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 August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 498, DOVER, ID 83825-0498
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN BUSINESS BANK
Mar 24, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN BUSINESS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2002 · Amount on Record
Deed Sale	Feb 5, 2002 · Amount on Record
Deed Document Number	2002101169
Last Transfer Date	Dec 10, 2015
Transfer Doc	0000662954
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 EMERALD AVE, EL CAJON, CA 92020-5075
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41105 MESA VERDE CIR, TEMECULA, CA 92592-9217

Mortgage

Document Number	0000295365
Date	Apr 16, 2021
Instrument	2021-0295365

Lender

Name	AMERICAN BUSINESS BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 EMERALD AVE, EL CAJON, CA 92020-5075
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41105 MESA VERDE CIR, TEMECULA, CA 92592-9217

Mortgage

Document Number	0000227636
Date	Mar 24, 2021
Instrument	2021-0227636

Lender

Name	AMERICAN BUSINESS BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$828,741 (+2%) Land $180,809 Building $647,932
2025	$14,416.00 (-10.66%)	$812,492 (+4.04%) Land $177,264 Building $635,228
2023	$16,137.00 (-10.24%)	$780,944 Land $170,382 Building $610,562
2022	$17,978.00

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 520 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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