483 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 483 Gardner St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,016 sqft · built 1951
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on File
Tax Bill	$8,524 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-142-02-00`

Property Details

APN / Parcel Number

Primary APN	`487-142-02-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,016 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	483 GARDNER ST
City	EL CAJON
State	CA
Zip	92020-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 24 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

Owner

483 Gardner St is owned and occupied by an individual who acquired it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	483 GARDNER ST, EL CAJON, CA 92020-3223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Aug 26, 2022	Intrafamily Transfer, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO
Aug 26, 2022	Grant Deed, Transfer · VA Mortgage MORGAN HOME LOAN FUNDING CORP
May 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022
Deed Sale	Aug 26, 2022
Prior Sale	Aug 26, 2022 · Amount on File
Deed Document Number	2022343790
Prior Transfer Date	Aug 22, 2022
Prior Transfer Doc	0000343790
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 26, 2022
Property Address	483 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000343790
Map Reference	MAP 2690
Instrument Date	Aug 22, 2022
Instrument	2022-0343790
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA 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
Address	483 GARDNER ST, EL CAJON, CA 92020-3223

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 26, 2022
Property Address	483 GARDNER ST, EL CAJON, CA 92020-3223
Document Number	0000343789
Map Reference	MAP 2690
Instrument Date	Aug 5, 2022
Instrument	2022-0343789
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	483 GARDNER ST, EL CAJON, CA 92020-3223

Mortgage

Document Number	0000343791
Date	Aug 26, 2022
Instrument	2022-0343791

Lender

Name	MORGAN HOME LOAN FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	483 GARDNER ST, EL CAJON, CA 92020-3223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198658
Date	May 3, 2017
Instrument	2017-0198658

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	483 GARDNER ST, EL CAJON, CA 92020-3223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184212
Date	Apr 10, 2020
Instrument	2020-0184212

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 483 Gardner St was $8,524.

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		$652,641 (+2%) Land $388,978 Building $263,663
2025	$8,524.00	$639,845 Land $381,351 Building $258,494
2023	$7,797.00 (+57.71%)	$596,000 Land $355,000 Building $241,000
2022	$4,944.00

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

Flood

FEMA maps place 483 Gardner St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	47 units insured incl. 46 condo units
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 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

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

The area around 483 Gardner St 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 310 locations within half a mile, as of December 31, 2025

Provider	Max 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: GeoLinks, T-Mobile, Verizon.

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