431 Murray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 431 Murray Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,587 sqft · built 1984
Lot Size	0.266 acres (11,600 sqft)
Owner	2 Companies on Record
Last Sale	$1,415,000 (Jun 2025)
Tax Bill	$12,332 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`487-240-03-00`

Property Details

APN / Parcel Number

Primary APN	`487-240-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,587 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tar & Gravel
Lot Area	11,600 sqft (0.266 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 MURRAY DR
City	EL CAJON
State	CA
Zip	92020-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 165 TR 003279
Legal Subdivision	GROSSMONT TERRACE
Legal Tract	003279
Legal Block	2
Legal Lot Number	165
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	16000

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	431 MURRAY DR, EL CAJON, CA 92020-4116
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer
Sep 15, 2025	Intrafamily Transfer, Transfer
Mar 7, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 25, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Sep 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2025 · Amount on Record
Deed Sale	Jun 26, 2025 · Amount on Record
Prior Sale	Mar 7, 2023 · Amount on Record
Deed Document Number	2025170337
Prior Transfer Date	Jun 12, 2021
Prior Transfer Doc	0000461701
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	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000255150
Map Reference	MAP 3279
Instrument Date	Sep 15, 2025
Instrument	2025-0255150
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 Living Trust
Address	431 MURRAY DR, EL CAJON, CA 92020-4116

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000255149
Map Reference	MAP 3279
Instrument Date	Sep 15, 2025
Instrument	2025-0255149
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 Living Trust
Address	431 MURRAY DR, EL CAJON, CA 92020-4116

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2023
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000058147
Map Reference	MAP 3279
Instrument Date	Feb 8, 2023
Instrument	2023-0058147
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Joint Tenants
Address	431 MURRAY DR, EL CAJON, CA 92020-4116

Mortgage

Document Number	0000058148
Date	Mar 7, 2023
Instrument	2023-0058148

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2021
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000461701
Map Reference	MAP 3279
Instrument Date	Jun 12, 2021
Instrument	2021-0461701
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	AMROCK LLC

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	Joint Tenants
Address	431 MURRAY DR, EL CAJON, CA 92020-4116

Mortgage

Document Number	0000461702
Date	Jun 25, 2021
Instrument	2021-0461702

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2021
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000461703
Map Reference	MAP 3279
Instrument Date	Jun 12, 2021
Instrument	2021-0461703
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	431 MURRAY DR, EL CAJON, CA 92020-4116

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE SAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023915
Date	Jan 22, 2018
Instrument	2018-0023915

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 31, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2020
Property Address	431 MURRAY DR, EL CAJON, CA 92020-4116
Document Number	0000574698
Instrument Date	Aug 21, 2020
Instrument	574698
Transaction Type	Transfer
Record Updated	Oct 6, 2020
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 MURRAY DR EL CAJON CA 920204116, EL CAJON, CA 92020-4116

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
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		$318,369 (-67.79%) Land $138,172 Building $180,197
2025	$12,332.00 (+50.5%)	$988,378 (+54.01%) Land $428,899 Building $559,479
2023	$8,194.00 (+2.35%) Homeowner's exemption	$641,748 Land $278,482 Building $363,266
2022	$8,006.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 358 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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