431 S Sunshine Ave, El Cajon, CA 92020 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1945
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$680,000 (Jan 2023)
Tax Bill	$9,472 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`488-181-05-00`

Property Details

APN / Parcel Number

Primary APN	`488-181-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,424 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	431 S SUNSHINE AVE
City	EL CAJON
State	CA
Zip	92020-5122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	BLK 9 LOT 9 (EX ST) TR 000997
Legal Subdivision	SMITH & HUBBELLS ADD
Legal Tract	000997
Legal Block	9
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	15802

Owner

431 S Sunshine Ave is owned by an individual who acquired it in August 2024.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	9105 MAC LN, SPRING VALLEY, CA 91977-2718
Owner Type	Individual
Vesting	Surviving Spouse

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 10, 2019	Grant Deed, Mortgage · Line of Credit PACIFIC PREMIER BK
Sep 9, 2019	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Prior Sale	Dec 26, 2019 · Amount on File
Deed Document Number	202313
Last Transfer Date	Aug 30, 2024
Transfer Doc	0000265653
Record Updated	Sep 20, 2026

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2023
Property Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122
Document Number	0000000013
Map Reference	MAP 997
Instrument Date	Dec 8, 2022
Instrument	2023-0000013
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount on Record
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	Tenants in Common
Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122

Mortgage

Document Number	0000000014
Date	Jan 3, 2023
Instrument	2023-0000014

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122

Mortgage

Document Number	0000565813
Date	Sep 24, 2020
Instrument	2020-0565813

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 10, 2019
Property Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122
Instrument Date	Oct 8, 2019
Instrument	454732
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	703 PIER AVE #707 HERMOSA BEACH CA 902543949, 707, HERMOSA BEACH, CA 90254-3949
Investor	Possibly a Property Investor

Mortgage

Document Number	0000454732
Date	Oct 10, 2019
Instrument	454732

Lender

Name	PACIFIC PREMIER BK
Type	Bank
Address	17901 VON KARMAN AVE # 1200, IRVINE, CA 92614-5248

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 9, 2019
Property Address	431 S SUNSHINE AVE, EL CAJON, CA 92020-5122
Document Number	0000389709
Instrument Date	Aug 21, 2019
Instrument	389709
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$431.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1820 W CARSON ST #202-285 TORRANCE CA 905012858, 202-28, TORRANCE, CA 90501-2858
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 431 S Sunshine Ave was $9,472.

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		$721,619 (+2%) Land $367,618 Building $354,001
2025	$9,472.00	$707,470 Land $360,410 Building $347,060
2023	$7,508.00 (-1.03%)	$557,121 Land $283,817 Building $273,304
2022	$7,586.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 431 S Sunshine Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	2 (1980)
Most Recent Claim	Feb 1980 · tidal / storm surge

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

The area around 431 S Sunshine Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 618 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, Wyyerd Connect.

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