411 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 411 Gardner St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1951
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Apr 2018)
Tax Bill	$7,167 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`487-142-10-00`

Property Details

APN / Parcel Number

Primary APN	`487-142-10-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,280 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	120 ft deep x 53 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	411 GARDNER ST
City	EL CAJON
State	CA
Zip	92020-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 16 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

Owner

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	14010 TWIN PEAKS RD, POWAY, CA 92064-3040
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Apr 4, 2018	Quit Claim Deed, Transfer LAWYERS TITLE
Apr 4, 2018	Grant Deed, Transfer · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on Record
Deed Sale	Apr 4, 2018 · Amount on Record
Prior Sale	Aug 19, 1994 · Amount on Record
Deed Document Number	2018133316
Prior Transfer Date	Mar 12, 2018
Prior Transfer Doc	0000133315
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 GARDNER ST, EL CAJON, CA 92020-3223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 TWIN PEAKS ROAD, POWAY, CA 92064

Mortgage

Document Number	0000713430
Date	Nov 13, 2020
Instrument	2020-0713430

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 4, 2018
Property Address	411 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000133315
Instrument Date	Mar 7, 2018
Instrument	133315
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	LAWYERS TITLE

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	607 BROADVIEW ST SPRING VALLEY CA 919775523, SPRING VALLEY, CA 91977-5523

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 4, 2018
Property Address	411 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000133316
Instrument Date	Mar 6, 2018
Instrument	133316
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10231 THANKSGIVING LN SAN DIEGO CA 921263733, SAN DIEGO, CA 92126-3733

Mortgage

Document Number	133317
Date	Apr 4, 2018
Instrument	133317

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$510,648 (+2%) Land $235,682 Building $274,966
2025	$7,167.00 (+2.52%)	$500,636 (+4.04%) Land $231,061 Building $269,575
2023	$6,991.00 (-0.34%)	$481,198 Land $222,090 Building $259,108
2022	$7,015.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	47 units insured incl. 46 condo units
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 2006
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

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 310 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.

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