435 W Main St, El Cajon, CA 92020 Property Records

San Diego County property record for 435 W Main St, El Cajon, CA 92020

Property Summary

Property Type	Mixed Use Store/Office
Details	3,185 sqft · built 1958
Lot Size	0.153 acres (6,673 sqft)
Owner	Company Name on File
Last Sale	$529,500 (Dec 2017)
Tax Bill	$10,926 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2017 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`487-331-23-00`

Property Details

APN / Parcel Number

Primary APN	`487-331-23-00`
Alternative APN	`4873300200`

Interior

Stories	1 Story
Building Area	3,185 sqft Total Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	6,673 sqft (0.153 acres)
Garage Type	Open

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	4873300200
Street Address	435 W MAIN ST
City	EL CAJON
State	CA
Zip	92020-3321
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	C-G
Legal Description	LOT 5 /EXC ST OP & WID/ N 143.51 FT OF E 65 FT OF TR 001201
Legal Subdivision	STEVENS & HARTLEYS
Legal Tract	001201
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	15901

Owner

435 W Main St, a commercial property, is owned by a company that bought it in December 2017.

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

Owner of Record	Company Name on File
Mailing Address	711 24TH AVE S, SEATTLE, WA 98144-3003
Owner Type	Company
Vesting	Borrower in Default

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
Nov 3, 2022	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 28, 2017	Grant Deed, Transfer
Apr 3, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2017 · Amount on File
Deed Sale	Dec 28, 2017 · Amount on File
Prior Sale	Apr 3, 2017 · Amount on File
Deed Document Number	2017611847
Prior Transfer Date	Oct 5, 2015
Prior Transfer Doc	0000542833
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	435 W MAIN ST, EL CAJON, CA 92020-3321
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 24TH AVE S, SEATTLE, WA 98144-3003

Mortgage

Document Number	0000423212
Date	Nov 3, 2022
Instrument	2022-0423212

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	PHOENIX, AZ 85029

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 28, 2017
Property Address	435 W MAIN ST, EL CAJON, CA 92020-3321
Document Number	0000611847
Instrument Date	Sep 28, 2017
Instrument	611847
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$582.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	711 24TH AVE S SEATTLE WA 981443003, SEATTLE, WA 98144-3003

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2017
Property Address	435 W MAIN ST, EL CAJON, CA 92020-3321
Document Number	0000148147
Instrument Date	Mar 29, 2017
Instrument	148147
Transaction Type	Transfer
Record Updated	Apr 10, 2017

Transaction

Amount	Amount on Record
Tax	$582.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3714 CROWN POINT DR SAN DIEGO CA 921096701, SAN DIEGO, CA 92109-6701

Tax Assessment & Valuation

The 2025 property tax bill for 435 W Main St was $10,926.

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		$648,729 (+2%) Land $416,797 Building $231,932
2025	$10,926.00	$636,010 Land $408,625 Building $227,385
2023	$11,362.00 (-4.26%)	$611,314 Land $392,758 Building $218,556
2022	$11,868.00

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

Flood

FEMA maps place 435 W Main St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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 435 W Main St 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 310 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.

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