4677 Vernette Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 4677 Vernette Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,042 sqft · built 1971
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$1,025,000 (Oct 2018)
Tax Bill	$14,175 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`498-112-01-00`

Property Details

APN / Parcel Number

Primary APN	`498-112-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,042 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Mediterranean
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	24,394 sqft (0.56 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4677 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 11 /EXC ST OP/ TR 003674
Legal Subdivision	FUERTE ACRES
Legal Tract	003674
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	15403

Owner

4677 Vernette Dr is owned and occupied by two individuals who bought it in October 2018.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Feb 4, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 24, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage REX HOME LOANS LLC
Oct 25, 2018	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018 · Amount on File
Deed Sale	Oct 25, 2018 · Amount on File
Prior Sale	Jul 11, 1983 · Amount on File
Deed Document Number	2018446254
Prior Transfer Date	Feb 2, 1995
Prior Transfer Doc	0000054867
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 2, 2026
Property Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Document Number	0000156782
Instrument Date	May 21, 2026
Instrument	2026156782
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362

Mortgage

Document Number	0000156782,
Date	Jun 2, 2026
Instrument	2026156782

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2056

Interest

Rate	6.23%
Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362

Mortgage

Document Number	0000039050
Date	Feb 4, 2019
Instrument	2019-0039050

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362

Mortgage

Document Number	0000833400
Date	Dec 24, 2020
Instrument	2020-0833400

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Document Number	0000476846
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4677 VERNETTE DR EL CAJON CA 920208362, EL CAJON, CA 92020-8362

Mortgage

Document Number	0000476846
Date	Aug 24, 2020
Instrument	476846

Lender

Name	REX HOME LOANS LLC
Address	236 S WASHINGTON ST # 202, NAPERVILLE, IL 60540-6698

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 25, 2018
Property Address	4677 VERNETTE DR, EL CAJON, CA 92020-8362
Document Number	0000446254
Instrument Date	Jun 21, 2018
Instrument	446254
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	GUARDIAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4677 VERNETTE DR EL CAJON CA 920208362, EL CAJON, CA 92020-8362

Mortgage

Document Number	446255
Date	Oct 25, 2018
Instrument	446255

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 4677 Vernette Dr was $14,175 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,238,688 (+2%) Land $568,911 Building $669,777
2025	$14,175.00 Homeowner's exemption	$1,214,401 Land $557,756 Building $656,645
2023	$13,079.00 (+1.59%) Homeowner's exemption	$1,099,003 Land $536,099 Building $562,904
2022	$12,874.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4677 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

Wildfire risk around 4677 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.

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 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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