458 Edward St, El Cajon, CA 92020 Property Records

San Diego County property record for 458 Edward St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,178 sqft · built 1947
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Apr 1987)
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`481-392-04-00`

Property Details

APN / Parcel Number

Primary APN	`481-392-04-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,178 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	8,500 sqft (0.195 acres)

Location & Zoning

Street Address	458 EDWARD ST
City	EL CAJON
State	CA
Zip	92020-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 27 TR 002348
Legal Subdivision	EDWARD STREET SUB
Legal Tract	002348
Legal Block	3
Legal Lot Number	27
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3017
Census Tract	16100

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	458 EDWARD ST, EL CAJON, CA 92020-2720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA CU
Feb 16, 2017	Intrafamily Transfer, Transfer · ARM NORTH ISLAND FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 1987 · Amount on Record
Deed Sale	Apr 27, 1987 · Amount on Record
Deed Document Number	1987226242
Last Transfer Date	Jul 3, 1995
Transfer Doc	0000452141
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	458 EDWARD ST, EL CAJON, CA 92020-2720
Transaction Type	Mortgage
Record Updated	Apr 18, 2023
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000090575
Date	Apr 7, 2023
Instrument	2023-0090575

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	458 EDWARD ST, EL CAJON, CA 92020-2720
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000214561
Date	May 19, 2022
Instrument	2022-0214561

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2017
Property Address	458 EDWARD ST, EL CAJON, CA 92020-2720
Document Number	0000077173
Map Reference	MAP2348
Instrument Date	Feb 7, 2017
Instrument	2017-0077173
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA MEMBERS TITLE INS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	458 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000077174
Date	Feb 16, 2017
Instrument	2017-0077174

Lender

Name	NORTH ISLAND FINANCIAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	8.5%

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$186,261 (+2%) Land $93,698 Building $92,563
2025	$2,616.00 (+0.65%) Homeowner's exemption	$182,610 (+4.04%) Land $91,861 Building $90,749
2024	$2,599.00 (+4%)
2023	$2,499.00 (-0.16%) Homeowner's exemption	$175,521 Land $88,295 Building $87,226
2022	$2,503.00

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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