474 Garfield Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 474 Garfield Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,627 sqft · built 1950
Lot Size	0.156 acres (6,800 sqft)
Owner	Company Name on File
Last Sale	$500,000 (Mar 2006)
Tax Bill	$9,740 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`481-402-11-00`

Property Details

APN / Parcel Number

Primary APN	`481-402-11-00`
Alternative APN	`4814030400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,627 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	6,800 sqft (0.156 acres)

Location & Zoning

Old Parcel Number	4814030400
Street Address	474 GARFIELD AVE
City	EL CAJON
State	CA
Zip	92020-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 11 (EX ST WID)ALL OF LOT 10&N 2 FT OF TR 002335
Legal Subdivision	GARFIELD AVE SUB
Legal Tract	002335
Legal Block	3
Legal Lot Number	11,10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3004
Census Tract	16100

Owner

474 Garfield Ave is owned by a company that acquired it in September 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	474 GARFIELD AVE, EL CAJON, CA 92020-2732
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Intrafamily Transfer, Transfer
Sep 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2006 · Amount on File
Deed Sale	Mar 16, 2006 · Amount on File
Prior Sale	Nov 4, 2003 · Amount on File
Deed Document Number	2006183284
Last Transfer Date	Sep 16, 2022
Transfer Doc	0000382218
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 29, 2022
Property Address	474 GARFIELD AVE, EL CAJON, CA 92020-2732
Document Number	0000382218
Map Reference	MAP 2335
Instrument Date	Sep 16, 2022
Instrument	2022-0382218
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
Relationship	Family Trust
Address	474 GARFIELD AVE, EL CAJON, CA 92020-2732

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	474 GARFIELD AVE, EL CAJON, CA 92020-2732
Document Number	0000521564
Map Reference	MAP 2335
Instrument Date	Aug 24, 2020
Instrument	2020-0521564
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

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
Relationship	Joint Tenants
Address	474 GARFIELD AVE, EL CAJON, CA 92020-2732

Mortgage

Document Number	0000521565
Date	Sep 8, 2020
Instrument	2020-0521565

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 474 Garfield Ave was $9,740 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
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		$749,278 (+2%) Land $418,165 Building $331,113
2025	$9,740.00 Homeowner's exemption	$734,587 Land $409,966 Building $324,621
2023	$8,582.00 (+0.95%) Homeowner's exemption	$670,000 Land $340,000 Building $330,000
2022	$8,501.00

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

Flood

FEMA maps place 474 Garfield Ave in Zone X, an area of minimal flood risk.

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

The area around 474 Garfield Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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