457 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 457 Gardner St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,016 sqft · built 1951
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jul 2024)
Tax Bill	$9,400 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`487-142-05-00`

Property Details

APN / Parcel Number

Primary APN	`487-142-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,016 sqft Living Area

Exterior

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

Location & Zoning

Street Address	457 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 21 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

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	457 GARDNER ST, EL CAJON, CA 92020-3223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Aug 5, 2021	Intrafamily Transfer, Transfer
Apr 27, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on Record
Deed Sale	Jul 8, 2024 · Amount on Record
Prior Sale	Oct 5, 2000 · Amount on Record
Deed Document Number	2024172359
Transfer Doc	0000178008
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	457 GARDNER ST, EL CAJON, CA 92020-3223
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 GARDNER ST, EL CAJON, CA 92020-3223

Mortgage

Document Number	0000699797
Date	Oct 6, 2021
Instrument	2021-0699797

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Mar 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 5, 2021
Property Address	457 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000559215
Map Reference	MAP 2690
Instrument Date	Jun 18, 2021
Instrument	2021-0559215
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 GARDNER ST, EL CAJON, CA 92020-3223
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	457 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000223461
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	457 GARDNER ST EL CAJON CA 920203223, EL CAJON, CA 92020-3223

Mortgage

Document Number	0000223461
Date	May 4, 2020
Instrument	223461

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 3, 2045

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		$734,400 (+2%) Land $484,500 Building $249,900
2025	$9,400.00 (+130.9%) Homeowner's exemption	$720,000 (+171.67%) Land $475,000 Building $245,000
2023	$4,071.00 (+1.47%) Homeowner's exemption	$265,026 Land $123,100 Building $141,926
2022	$4,012.00

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.

Flood

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	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

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

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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