489 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 489 Gardner St, El Cajon, CA 92020 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,154 sqft · built 1995
Lot Size	0.164 acres (7,131 sqft)
Owner	Company Name on File
Last Sale	$65,000 (Jul 1992)
Tax Bill	$3,136 (2025)
Flood Zone	Zone X (moderate risk)
APN	`487-142-13-00`

Property Details

APN / Parcel Number

Primary APN	`487-142-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,154 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	7,131 sqft (0.164 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	489 GARDNER ST
City	EL CAJON
State	CA
Zip	92020-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2010
Census Tract	16202

Owner

Source: San Diego County records · APN 487-142-13-00

Assessment roll updated July 28, 2026 · Last verified August 2026

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

Owner of Record	Company Name on File
Mailing Address	489 GARDNER ST, EL CAJON, CA 92020-3223
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 1992 · Amount on Record
Deed Sale	Jul 14, 1992 · Amount on Record
Deed Document Number	1992438148
Last Transfer Date	Apr 08, 2008
Transfer Doc	0000200157
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$229,683 (+2%) Land $116,623 Building $113,060
2025	$3,136.00 (+3.12%) Homeowner's exemption	$225,181 (+4.04%) Land $114,337 Building $110,844
2023	$3,041.00 (+2.22%) Homeowner's exemption	$216,440 Land $109,899 Building $106,541
2022	$2,975.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730162022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	47 units insured (46 under condo master policies) 0 of 1 individual policies on primary residences
Nearby Flood Claims	14 (1980–2006)
Most Recent Claim	Mar 2006
Flood Events	Severe Winter Storms, Flooding Landslides, Mud Flow (Feb 1995), 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows (Jan 1995), 8 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.