438 S Anza St, El Cajon, CA 92020 Property Records

San Diego County property record for 438 S Anza St, El Cajon, CA 92020

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 900 sqft · built 1979
Lot Size	1.85 acres (80,696 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (May 2026)
Tax Bill	$5,977 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Feb 2026 Foreclosure + 5 more
Flood Zone	Zone X (moderate risk)
APN	`488-262-54-03`

Property Details

APN / Parcel Number

Primary APN	`488-262-54-03`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	900 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	80,696 sqft
Garage Type	Open

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	438 S ANZA ST
City	EL CAJON
State	CA
Zip	92020-5504
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 3 PER DOC78-88493&UND INT IN TR 008808
Legal Subdivision	ANZA PALMS
Legal Tract	008808
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	15705

Owner

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	438 S ANZA ST, EL CAJON, CA 92020-5504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Feb 25, 2026	Grant Deed, Foreclosure FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO
Aug 10, 2022	Agreement of Sale, Transfer · Second Mortgage (Down Payment) DEPARTMENT OF VETERANS AFFAIRS
Aug 10, 2022	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Aug 10, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
May 15, 2018	Quit Claim Deed, Transfer · Conventional Mortgage WFB NA
May 15, 2018	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	2026140838
Prior Transfer Date	May 12, 2018
Prior Transfer Doc	0000195583
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2026
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000140838
Instrument Date	May 7, 2026
Instrument	2026.140838
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 S ANZA ST, EL CAJON, CA 92020-5504

Mortgage

Document Number	0000140839,
Date	May 15, 2026
Instrument	2026.140839

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 25, 2026
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000051661
Map Reference	MAP 8808
Instrument Date	Feb 5, 2026
Instrument	2026-0051661
Transaction Type	Foreclosure
Record Updated	Mar 5, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 O ST # ST200, ST200, SACRAMENTO, CA 95814-5840

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000324085
Map Reference	MAP 8808
Instrument Date	Aug 3, 2022
Instrument	2022-0324085
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SOUTH AUZA STREET, EL CAJON, CA 92020-5504

Mortgage

Document Number	0000324086
Date	Aug 10, 2022
Instrument	2022-0324086

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2022
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000324084
Map Reference	MAP 8808
Instrument Date	Jul 18, 2022
Instrument	2022-0324084
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Investor	Possibly a Property Investor

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2020
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000443032
Instrument Date	Jul 22, 2020
Instrument	443032
Transaction Type	Transfer
Record Updated	Aug 20, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	438 S ANZA ST EL CAJON CA 920205504, EL CAJON, CA 92020-5504

Mortgage

Document Number	443033
Date	Aug 10, 2020
Instrument	443033

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2018
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000195584
Instrument Date	May 12, 2018
Instrument	195584
Transaction Type	Transfer
Record Updated	May 23, 2018
Title Company	WFG TITLE COMPANY/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	411 E INDIAN SCHOOL RD #2028 PHOENIX AZ 850121880, 2028, PHOENIX, AZ 85012-1880

Mortgage

Document Number	195585
Date	May 15, 2018
Instrument	195585

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2018
Property Address	438 S ANZA ST, EL CAJON, CA 92020-5504
Document Number	0000195583
Instrument Date	May 12, 2018
Instrument	195583
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	WFG NATIONAL TITLE COMPANY/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	411 E INDIAN SCHOOL RD #2028 PHOENIX AZ 850121880, 2028, PHOENIX, AZ 85012-1880

Tax Assessment & Valuation

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
2025	$5,977.00 (+5.6%)	$426,563 (+7.45%) Land $127,012 Building $299,551
2024	$5,660.00 (+4.39%)
2023	$5,422.00 (+44.97%)	$397,000 Land $118,000 Building $279,000
2022	$3,740.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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