476 Edward St, El Cajon, CA 92020 Property Records

San Diego County property record for 476 Edward St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,609 sqft · built 1947
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,758 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`481-392-02-00`

Property Details

APN / Parcel Number

Primary APN	`481-392-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,609 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	476 EDWARD ST
City	EL CAJON
State	CA
Zip	92020-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 25 TR 002348
Legal Subdivision	EDWARD STREET SUB
Legal Tract	002348
Legal Block	3
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3017
Census Tract	16100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jun 11, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 18, 2021
Transfer Doc	0000355497
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2026
Property Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Document Number	0000143841
Instrument Date	May 15, 2026
Instrument	2026143841
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000143841,
Date	May 20, 2026
Instrument	2026143841

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000014239
Date	Jan 19, 2023
Instrument	2023-0014239

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2043

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2021
Property Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Document Number	0000355497
Map Reference	MAP 2348
Instrument Date	Apr 18, 2021
Instrument	2021-0355497
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	AMROCK INC, AMROCK LLC

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	Community Property with Right of Survivorship
Address	476 EDWARD ST, EL CAJON, CA 92020-2720

Mortgage

Document Number	0000355498
Date	May 10, 2021
Instrument	2021-0355498

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463933
Date	Aug 18, 2020
Instrument	2020-0463933

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 11, 2020
Property Address	476 EDWARD ST, EL CAJON, CA 92020-2720
Document Number	0000300373
Instrument Date	May 19, 2020
Instrument	300373
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	476 EDWARD ST EL CAJON CA 920202720, EL CAJON, CA 92020-2720

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
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		$440,349 (+2%) Land $237,750 Building $202,599
2025	$5,758.00 (+5.79%)	$431,716 (+4.04%) Land $233,089 Building $198,627
2023	$5,443.00 (+18.95%)	$414,954 Land $224,039 Building $190,915
2022	$4,576.00

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

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

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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