451 Raymond St, El Cajon, CA 92020 Property Records

San Diego County property record for 451 Raymond St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1959
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,000 (Aug 2001)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Sep 2018 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493-430-12-00`

Property Details

APN / Parcel Number

Primary APN	`493-430-12-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,276 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	451 RAYMOND ST
City	EL CAJON
State	CA
Zip	92020-6432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 45 TR 003752
Legal Subdivision	ALLENWOOD
Legal Tract	003752
Legal Block	1
Legal Lot Number	45
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1002
Census Tract	15301

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	2 Individual Names on Record
Mailing Address	451 RAYMOND ST, EL CAJON, CA 92020-6432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 17, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP
Jun 9, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP
Aug 7, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2001 · Amount on Record
Deed Sale	Aug 6, 2001 · Amount on Record
Prior Sale	Nov 15, 1994 · Amount on Record
Deed Document Number	2001554207
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	451 RAYMOND ST, EL CAJON, CA 92020-6432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000371991
Date	Sep 7, 2018
Instrument	2018-0371991

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	451 RAYMOND ST, EL CAJON, CA 92020-6432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000188134
Date	May 17, 2019
Instrument	2019-0188134

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	451 RAYMOND ST, EL CAJON, CA 92020-6432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293940
Date	Jun 9, 2020
Instrument	2020-0293940

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	451 RAYMOND ST, EL CAJON, CA 92020-6432
Document Number	0000527655
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 RAYMOND ST EL CAJON CA 920206432, EL CAJON, CA 92020-6432

Mortgage

Document Number	0000527655
Date	Nov 14, 2019
Instrument	527655

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Interest

Rate Type	Adjustable Rate

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
2026		$313,399 (+2%) Land $135,601 Building $177,798
2025	$4,332.00 (+3.17%) Homeowner's exemption	$307,255 (+4.04%) Land $132,943 Building $174,312
2023	$4,199.00 (+1.97%) Homeowner's exemption	$295,327 Land $127,782 Building $167,545
2022	$4,118.00

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 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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
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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