San Diego County property record for 4641 Vernette Dr, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,452 sqft · built 1966 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,250 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 498-122-08-00 |
| Primary APN | 498-122-08-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,452 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4641 VERNETTE DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-8362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 14 0.50 AC M/L IN LOT 13&IN TR 003674 |
| Legal Subdivision | FUERTE ACRES |
| Legal Tract | 003674 |
| Legal Block | 2 |
| Legal Lot Number | 14,13 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 15403 |
4641 Vernette Dr is owned by a company that acquired it in January 2002 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4641 VERNETTE DR, EL CAJON, CA 92020-8362 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 17, 2002 |
| Transfer Doc | 0000066595 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4641 VERNETTE DR, EL CAJON, CA 92020-8362 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|
| Document Number | 0000023385 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 2017-0023385 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | EL CAJON, CA 92020 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 11, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Change Frequency | Monthly |
| Index | Prime Rate |
| Margin | 1 |
The 2025 property tax bill for 4641 Vernette Dr was $2,250 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| 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 | $200,007 (+2%) Land $62,412 Building $137,595 | |
| 2025 | $2,250.00 Homeowner's exemption | $196,087 Land $61,189 Building $134,898 |
| 2023 | $2,201.00 (+1.71%) Homeowner's exemption | $188,474 Land $58,814 Building $129,660 |
| 2022 | $2,164.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4641 Vernette Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1983–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows |
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 risk around 4641 Vernette Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks.
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