486 Graves Ave, #C, El Cajon, CA 92020 Property Records

San Diego County property record for 486 Graves Ave, #C, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,648 sqft · built 2018
Lot Size	0.21 acres (926 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,000 (Apr 2018)
Tax Bill	$6,717 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`488-010-43-00`

Property Details

APN / Parcel Number

Primary APN	`488-010-43-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,648 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	926 sqft (0.21 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	486 GRAVES AVE, C
City	EL CAJON
State	CA
Zip	92020-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1450
Legal Description	LOT 3 TR 016149
Legal Subdivision	TSM 639
Legal Tract	016149
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	16301

Owner

Source: San Diego County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	486 GRAVES AVE, C, EL CAJON, CA 92020-3602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 30, 2020	Deed of Trust, Mortgage · VA Mortgage POINT MORTGAGE CORP
Apr 12, 2018	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on Record
Deed Sale	Apr 12, 2018 · Amount on Record
Deed Document Number	2018146661
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	486 GRAVES AVE # C, C, EL CAJON, CA 92020-3602
Transaction Type	Mortgage
Record Updated	Mar 19, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 QUAIL RD, ESCONDIDO, CA 92026-8826

Mortgage

Document Number	0000059522
Date	Mar 8, 2024
Instrument	2024-0059522

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	486 GRAVES AVE # C, C, EL CAJON, CA 92020-3602
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 GRAVES AVE C, C, EL CAJON, CA 92020-3602

Mortgage

Document Number	0000762904
Date	Nov 2, 2021
Instrument	2021-0762904

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	486 GRAVES AVE # C, C, EL CAJON, CA 92020-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000343421
Date	Jun 30, 2020
Instrument	2020-0343421

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company
Address	CHULA VISTA, CA 91910

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 12, 2018
Property Address	486 GRAVES AVE # C, C, EL CAJON, CA 92020-3602
Document Number	0000146661
Instrument Date	Apr 12, 2018
Instrument	146661
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	486 GRAVES AVE EL CAJON CA 92020, EL CAJON, CA 92020

Mortgage

Document Number	146662
Date	Apr 12, 2018
Instrument	146662

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$507,168 (+2%) Land $200,777 Building $306,391
2025	$6,717.00 (+0.57%)	$497,225 (+4.04%) Land $196,841 Building $300,384
2023	$6,679.00 (+8.87%)	$477,920 Land $189,199 Building $288,721
2022	$6,135.00

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 · 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 Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · 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

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 456 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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