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

San Diego County property record for 412 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1952
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Companies on Record
Last Sale	$290,000 (Oct 2002)
Tax Bill	$4,357 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`487-060-16-00`

Property Details

APN / Parcel Number

Primary APN	`487-060-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Block
Construction Type	Frame
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 81 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	81
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
Census Tract	16100

Owner

Source: San Diego County assessment roll, 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 Companies on Record
Mailing Address	412 EL MONTE RD, EL CAJON, CA 92020-3024
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Dec 20, 2016	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2002 · Amount on Record
Deed Sale	Oct 22, 2002 · Amount on Record
Prior Sale	Sep 28, 1990 · Amount on Record
Deed Document Number	2002923753
Prior Transfer Date	Nov 16, 1999
Prior Transfer Doc	0000775019
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	412 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000254438
Map Reference	MAP 2740
Instrument Date	Sep 5, 2025
Instrument	2025-0254438
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	412 EL MONTE RD, EL CAJON, CA 92020-3024

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	412 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000021345
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	CALIFORNIA MEMBERS TITLE INSURANCE C

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	412 EL MONTE RD EL CAJON CA 920203024, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000021345
Date	Jan 19, 2018
Instrument	21345

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2048

Interest

Rate Type	Adjustable Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	412 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000029267
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	412 EL MONTE RD EL CAJON CA 920203024, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000029267
Date	Jan 19, 2017
Instrument	29267

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

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		$471,902 (+2%) Land $236,356 Building $235,546
2025	$4,357.00 (-15.2%)	$462,650 (+4.04%) Land $231,722 Building $230,928
2023	$5,138.00 (-14.37%) Homeowner's exemption	$444,686 Land $222,725 Building $221,961
2022	$6,000.00

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 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

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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile.

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