465 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 465 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,215 sqft · built 1952
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Oct 2013)
Tax Bill	$5,425 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-060-02-00`

Property Details

APN / Parcel Number

Primary APN	`487-060-02-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,215 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	8,200 sqft (0.188 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	465 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 121 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	121
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
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	465 EL MONTE RD, EL CAJON, CA 92020-3023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLEAR MORTGAGE CAPITAL INC
May 14, 2018	Deed of Trust, Mortgage · Line of Credit USE CREDIT UNION
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2013 · Amount on Record
Deed Sale	Oct 8, 2013 · Amount on Record
Prior Sale	Jun 19, 2009 · Amount on Record
Deed Document Number	2013608807
Prior Transfer Date	Apr 21, 2004
Prior Transfer Doc	0000374886
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	465 EL MONTE RD, EL CAJON, CA 92020-3023
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 EL MONTE RD, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000231701
Date	Aug 25, 2023
Instrument	2023-0231701

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	465 EL MONTE RD, EL CAJON, CA 92020-3023
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 EL MONTE RD, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000126377
Date	Mar 22, 2022
Instrument	2022-0126377

Lender

Name	CLEAR MORTGAGE CAPITAL INC
Address	IRVINE, CA 92618

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	465 EL MONTE RD, EL CAJON, CA 92020-3023
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000192058
Date	May 14, 2018
Instrument	2018-0192058

Lender

Name	USE CREDIT UNION
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	465 EL MONTE RD, EL CAJON, CA 92020-3023
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 EL MONTE RD, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000525012
Date	Jul 23, 2021
Instrument	2021-0525012

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$406,361 (+2%) Land $212,560 Building $193,801
2025	$5,425.00 (+5.79%) Homeowner's exemption	$398,394 (+4.04%) Land $208,393 Building $190,001
2023	$5,128.00 (+2.83%) Homeowner's exemption	$382,925 Land $200,301 Building $182,624
2022	$4,987.00

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 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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

May also be available: GeoLinks, T-Mobile.

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