433 Silvery Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 433 Silvery Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1947
Lot Size	0.441 acres (19,200 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (May 2022)
Tax Bill	$8,397 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`486-181-17-00`

Property Details

APN / Parcel Number

Primary APN	`486-181-17-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	19,200 sqft (0.441 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	433 SILVERY LN
City	EL CAJON
State	CA
Zip	92020-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 110 TR 002382
Legal Subdivision	ROLLING HILLS
Legal Tract	002382
Legal Block	2
Legal Lot Number	110
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	16100

Owner

433 Silvery Ln is owned and occupied by two individuals who bought it in May 2022.

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 Individual Names on File
Mailing Address	433 SILVERY LN, EL CAJON, CA 92020-2224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 13, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Jul 1, 2005 · Amount on File
Deed Document Number	2022192021
Prior Transfer Date	Jul 6, 2017
Prior Transfer Doc	0000316835
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2022
Property Address	433 SILVERY LN, EL CAJON, CA 92020-2224
Document Number	0000192021
Map Reference	MAP 2382
Instrument Date	Apr 6, 2022
Instrument	2022-0192021
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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	Joint Tenants
Address	433 SILVERY LN, EL CAJON, CA 92020-2224

Mortgage

Document Number	0000192022
Date	May 3, 2022
Instrument	2022-0192022

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2017
Property Address	433 SILVERY LN, EL CAJON, CA 92020-2224
Document Number	0000316835
Instrument Date	Jul 6, 2017
Instrument	316835
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	STEWART TITLE

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	433 SILVERY LN EL CAJON CA 920202224, EL CAJON, CA 92020-2224

Mortgage

Document Number	316836
Date	Jul 13, 2017
Instrument	316836

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 12, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 433 Silvery Ln was $8,397 with a homeowner's exemption.

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		$660,276 (+2%) Land $411,568 Building $248,708
2025	$8,397.00 Homeowner's exemption	$647,331 Land $403,499 Building $243,832
2023	$7,255.00 (-0.73%) Homeowner's exemption	$566,000 Land $352,000 Building $214,000
2022	$7,308.00

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

Flood

FEMA maps place 433 Silvery Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 433 Silvery Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

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

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