415 Witherspoon Way, El Cajon, CA 92020 Property Records

San Diego County property record for 415 Witherspoon Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,644 sqft · built 1963
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Company Names on Record
Last Sale	$585,000 (Aug 2018)
Tax Bill	$8,537 (2025)
Deeds & Mortgages	May 2026 Transfer Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`481-592-02-00`

Property Details

APN / Parcel Number

Primary APN	`481-592-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,644 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	9,200 sqft (0.211 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	415 WITHERSPOON WAY
City	EL CAJON
State	CA
Zip	92020-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 2 TR 004630
Legal Subdivision	WITHERSPOON TERRACE
Legal Tract	004630
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3006
Census Tract	16100

Owner

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	2 Company Names on Record
Mailing Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 1, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Prior Sale	May 5, 1988 · Amount on Record
Deed Document Number	2018314665
Prior Transfer Date	Nov 13, 2006
Prior Transfer Doc	0000854571
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2026
Property Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749
Document Number	0000135435
Instrument Date	May 7, 2026
Instrument	2026135435
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749

Mortgage

Document Number	0000751708
Date	Nov 25, 2020
Instrument	2020-0751708

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2018
Property Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749
Document Number	0000314665
Map Reference	MAP 4630
Instrument Date	Jun 25, 2018
Instrument	2018-0314665
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	415 WITHERSPOON WAY, EL CAJON, CA 92020-2749

Mortgage

Document Number	0000314666
Date	Aug 1, 2018
Instrument	2018-0314666

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$665,625 (+2%) Land $341,347 Building $324,278
2025	$8,537.00 (+2.07%) Homeowner's exemption	$652,574 (+4.04%) Land $334,654 Building $317,920
2024	$8,364.00 (+1.98%)
2023	$8,202.00 (+2.29%) Homeowner's exemption	$627,236 Land $321,660 Building $305,576
2022	$8,018.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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