San Diego County property record for 436 Gardner St, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,406 sqft · built 1951 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $720,000 (Nov 2025) |
| Tax Bill | $1,607 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Sep 2025 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 487-141-08-00 |
| Primary APN | 487-141-08-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,406 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Lot Area | 6,900 sqft (0.158 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 436 GARDNER ST |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-3224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 8 TR 002690 |
| Legal Subdivision | GARDNERVILLE |
| Legal Tract | 002690 |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 436 GARDNER ST, EL CAJON, CA 92020-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Nov 14, 2025 | Grant Deed, Transfer · FHA Mortgage STG MORTGAGE INC |
| Sep 25, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Deed Document Number | 2025322824 |
| Prior Transfer Date | Nov 5, 2024 |
| Prior Transfer Doc | 0000313188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 14, 2025 |
| Property Address | 436 GARDNER ST, EL CAJON, CA 92020-3224 |
| Document Number | 0000322824 |
| Map Reference | MAP 2699 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025-0322824 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 436 GARDNER ST, EL CAJON, CA 92020-3224 |
| Document Number | 0000322825 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 2025-0322825 |
| Name | STG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 25, 2025 |
| Property Address | 436 GARDNER ST, EL CAJON, CA 92020-3224 |
| Document Number | 0000267343 |
| Map Reference | MAP 2690 |
| Instrument Date | Apr 24, 2025 |
| Instrument | 2025-0267343 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 15798 MISS ELLIE LN, LAKESIDE, CA 92040-2600 |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $67,567 (+2%) Land $19,995 Building $47,572 | |
| 2025 | $1,607.00 (+30.02%) Homeowner's exemption | $66,243 (+4.04%) Land $19,603 Building $46,640 |
| 2023 | $1,236.00 (+3.34%) Homeowner's exemption | $63,673 Land $18,843 Building $44,830 |
| 2022 | $1,196.00 |
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.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 47 units insured incl. 46 condo units |
| Nearby Flood Claims | 14 (1980–2006) |
| Most Recent Claim | Mar 2006 |
| Claims by Event |
|
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.
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.
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 |
| 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.
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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