484 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 484 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,079 sqft · built 1952
Lot Size	0.255 acres (11,100 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Mar 2022)
Tax Bill	$6,512 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`487-032-11-00`

Property Details

APN / Parcel Number

Primary APN	`487-032-11-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,079 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	11,100 sqft (0.255 acres)

Location & Zoning

Street Address	484 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 74 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	74
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
Census Tract	16100

Owner

484 el Monte Rd is owned and occupied by two individuals who bought it in March 2022.

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 File
Mailing Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Mar 8, 2022	Grant Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Dec 7, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
May 25, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Apr 26, 2017	Grant Deed, Transfer · VA Mortgage PROVIDENT SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Prior Sale	Apr 26, 2017 · Amount on File
Deed Document Number	2022103367
Prior Transfer Date	Mar 16, 1994
Prior Transfer Doc	0000245324
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 30, 2026
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000186821
Instrument Date	Jun 25, 2026
Instrument	2026186821
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 EL MONTE RD, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000186821,
Date	Jun 30, 2026
Instrument	2026186821

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 8, 2022
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000103367
Map Reference	MAP 2740
Instrument Date	Feb 14, 2022
Instrument	2022-0103367
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FIRST AMERICAN TITLE

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
Relationship	Community Property with Right of Survivorship
Address	484 EL MONTE RD, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000103368
Date	Mar 8, 2022
Instrument	2022-0103368

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 EL MONTE RD, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000779875
Date	Dec 7, 2020
Instrument	2020-0779875

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000084569
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	UNISOURCE TITLE-IRVINE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	484 EL MONTE RD EL CAJON CA 920203024, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000084569
Date	Feb 20, 2020
Instrument	84569

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000213135
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	UNISOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	484 EL MONTE RD EL CAJON CA 920203024, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000213135
Date	Jun 4, 2019
Instrument	213135

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2017
Property Address	484 EL MONTE RD, EL CAJON, CA 92020-3024
Document Number	0000187401
Map Reference	MAP2740
Instrument Date	Mar 15, 2017
Instrument	2017-0187401
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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
Relationship	Joint Tenants
Address	484 EL MONTE RD, EL CAJON, CA 92020-3024

Mortgage

Document Number	0000187402
Date	Apr 26, 2017
Instrument	2017-0187402

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 484 el Monte Rd was $6,512 with a veteran'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
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		$698,160 (+7.41%) Land $507,085 Building $191,075
2025	$6,512.00	$650,000 Land $471,000 Building $179,000
2023	$6,695.00 (+9.61%)	$600,000 Land $435,000 Building $165,000
2022	$6,108.00

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

Flood

FEMA maps place 484 el Monte Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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 484 el Monte Rd 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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

May also be available: GeoLinks, T-Mobile.

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