431 Graves Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 431 Graves Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,895 sqft · built 1947
Lot Size	0.266 acres (11,588 sqft)
Owner	2 Company Names on Record
Last Sale	$445,000 (Feb 2016)
Tax Bill	$9,451 (2025)
Deeds & Mortgages	Jun 2021 Transfer Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`488-020-11-00`

Property Details

APN / Parcel Number

Primary APN	`488-020-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Building Area	1,895 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	11,588 sqft (0.266 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	431 GRAVES AVE
City	EL CAJON
State	CA
Zip	92020-3601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-6000
Legal Description	LOT 14 (EX ST WID&S 60 FT)W 200 FT OF TR 001896
Legal Subdivision	VALLEY ACRES
Legal Tract	001896
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	16301

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	2 Company Names on Record
Mailing Address	2557 CHATHAM ST, EL CAJON, CA 92020-2709
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jun 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COUNTY SCHOOLS FCU
Jun 23, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2016 · Amount on Record
Deed Sale	Feb 9, 2016 · Amount on Record
Prior Sale	Feb 7, 2014 · Amount on Record
Deed Document Number	201657110
Prior Transfer Date	Mar 24, 1997
Prior Transfer Doc	0000161179
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2021
Property Address	431 GRAVES AVE, EL CAJON, CA 92020-3601
Document Number	0000458214
Map Reference	MAP 1896
Instrument Date	Jun 15, 2021
Instrument	2021-0458214
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	431 GRAVES AVE, EL CAJON, CA 92020-3601

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2021
Property Address	431 GRAVES AVE, EL CAJON, CA 92020-3601
Document Number	0000458215
Map Reference	MAP 1896
Instrument Date	Jun 15, 2021
Instrument	2021-0458215
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	431 GRAVES AVE, EL CAJON, CA 92020-3601

Mortgage

Document Number	0000458216
Date	Jun 23, 2021
Instrument	2021-0458216

Lender

Name	COUNTY SCHOOLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	6.99%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	9.99%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2021
Property Address	431 GRAVES AVE, EL CAJON, CA 92020-3601
Document Number	0000458213
Map Reference	MAP 1896
Instrument Date	Jun 15, 2021
Instrument	2021-0458213
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	431 GRAVES AVE, EL CAJON, CA 92020-3601

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2019
Property Address	431 GRAVES AVE, EL CAJON, CA 92020-3601
Document Number	0000504373
Instrument Date	Nov 2, 2019
Instrument	504373
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 GRAVES AVE EL CAJON CA 920203601, EL CAJON, CA 92020-3601

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		$651,788 (+2%) Land $332,795 Building $318,993
2025	$9,451.00 (-0.51%)	$639,009 (+4.04%) Land $326,270 Building $312,739
2024	$9,499.00 (+2.11%)
2023	$9,303.00 (+3.26%)	$614,197 Land $313,601 Building $300,596
2022	$9,009.00

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 Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · 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 456 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

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

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