San Diego County property record for 437 Gardner St, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,016 sqft · built 1951 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,000 (Dec 1991) |
| Tax Bill | $2,908 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 487-142-07-00 |
| Primary APN | 487-142-07-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,016 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 | 437 GARDNER ST |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-3223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 19 TR 002690 |
| Legal Subdivision | GARDNERVILLE |
| Legal Tract | 002690 |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16202 |
437 Gardner St is owned and occupied by an individual who acquired it in October 2003.
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 | Individual Name on File |
|---|---|
| Mailing Address | 437 GARDNER ST, EL CAJON, CA 92020-3223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 1991 · Amount on File |
| Deed Sale | Dec 11, 1991 · Amount on File |
| Deed Document Number | 1991640634 |
| Last Transfer Date | Oct 6, 2003 |
| Transfer Doc | 0001264782 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 437 GARDNER ST, EL CAJON, CA 92020-3223 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 437 GARDNER ST, EL CAJON, CA 92020-3223 |
| Document Number | 0000224352 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021-0224352 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | WALLA WALLA, WA 99362 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 437 Gardner St was $2,908 with a homeowner's exemption.
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 | $220,017 (+2%) Land $73,321 Building $146,696 | |
| 2025 | $2,908.00 Homeowner's exemption | $215,704 Land $71,884 Building $143,820 |
| 2023 | $2,874.00 (+2.79%) Homeowner's exemption | $207,330 Land $69,094 Building $138,236 |
| 2022 | $2,796.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 437 Gardner St in Zone X, an area of moderate flood risk, though there have been 14 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 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.
The area around 437 Gardner 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures