1. Home
  2. California
  3. San Diego County
  4. El Cajon
  5. Gardner St

475 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 475 Gardner St, El Cajon, CA 92020

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,338 sqft · built 1980
Lot Size0.158 acres (6,900 sqft)
Owner2 Individual Names on File
Last Sale$281,000 (Nov 2003)
Tax Bill$6,847 (2025)
Deeds & MortgagesJun 2021 Mortgage
Jun 2021 Transfer
+ 1 more
Flood ZoneZone X (moderate risk)
APN487-142-03-00

Property Details

APN / Parcel Number

Primary APN487-142-03-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,338 sqft Living Area

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Lot Area6,900 sqft (0.158 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address475 GARDNER ST
CityEL CAJON
StateCA
Zip92020-3223
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-6
Legal DescriptionLOT 23 TR 002690
Legal SubdivisionGARDNERVILLE
Legal Tract002690
Legal Block2
Legal Lot Number23
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group2
Census Block2010
Census Tract16202

Owner

Source: San Diego County records · APN 487-142-03-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address475 GARDNER ST, EL CAJON, CA 92020-3223
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 04, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 04, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jul 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2003 · Amount on Record
Deed SaleNov 03, 2003 · Amount on Record
Prior SaleOct 30, 2001 · Amount on Record
Deed Document Number20031333052
Last Transfer DateMay 29, 2021
Transfer Doc0000417453
Record UpdatedSep 20, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address475 GARDNER ST, EL CAJON, CA 92020-3223
Transaction TypeMortgage
Record UpdatedMay 30, 2023
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address475 GARDNER ST, EL CAJON, CA 92020-3223

Mortgage

Document Number0000417452
DateJun 04, 2021
Instrument2021-0417452
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

June 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJun 04, 2021
Property Address475 GARDNER ST, EL CAJON, CA 92020-3223
Document Number0000417453
Map ReferenceMAP 2690
Instrument DateMay 29, 2021
Instrument2021-0417453
Transaction TypeTransfer
Record UpdatedMay 30, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address475 GARDNER ST, EL CAJON, CA 92020-3223

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address475 GARDNER ST, EL CAJON, CA 92020-3223
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000409517
DateJul 28, 2020
Instrument2020-0409517
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEl Cajon City
Elementary School DistrictCajon Valley Union Elementary School District (KG - 08)
Secondary School DistrictGrossmont Union High School District (09 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$520,584 (+2%) Land $264,185 Building $256,399
2025$6,847.00 (+26.91%) Homeowner's exemption$510,377 (+32.91%) Land $259,005 Building $251,372
2023$5,395.00 (+3.12%) Homeowner's exemption$383,989 Land $239,140 Building $144,849
2022$5,232.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies47 units insured
incl. 46 condo units
Nearby Flood Claims14 (1980–2006)
Most Recent ClaimMar 2006
Claims by Event
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims
  • Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Cable · Fiber in parts of the area		2,000 / 100
Starlink
Satellite		280 / 30
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: California Internet, T-Mobile USA, Verizon.

Based on FCC filings for 310 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemHELIX WATER DISTRICT
serves 277,918 people
Water SourceSurface water
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Gardner St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures