490 Gardner St, El Cajon, CA 92020 Property Records

San Diego County property record for 490 Gardner St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,884 sqft · built 1951
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,381 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`487-141-02-00`

Property Details

APN / Parcel Number

Primary APN	`487-141-02-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,884 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	490 GARDNER ST
City	EL CAJON
State	CA
Zip	92020-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 2 TR 002690
Legal Subdivision	GARDNERVILLE
Legal Tract	002690
Legal Block	2
Legal Lot Number	2
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, as of July 28, 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	490 GARDNER ST, EL CAJON, CA 92020-3224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 16, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage SAN DIEGO COUNTY CU
Jun 16, 2017	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jun 16, 2017	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 9, 2017
Transfer Doc	0000270774
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	490 GARDNER ST, EL CAJON, CA 92020-3224
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 WELSH RD 5, 5, HORSHAM, PA 19044-2250

Mortgage

Document Number	0000627709
Date	Oct 15, 2020
Instrument	2020-0627709

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Nov 1, 2052

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2017
Property Address	490 GARDNER ST, EL CAJON, CA 92020-3224
Document Number	0000270774
Map Reference	MAP2690
Instrument Date	Jun 9, 2017
Instrument	2017-0270774
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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	Joint Tenants
Address	490 GARDNER ST, EL CAJON, CA 92020-3224

Mortgage

Document Number	0000270775
Date	Jun 16, 2017
Instrument	2017-0270775

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2017
Property Address	490 GARDNER ST, EL CAJON, CA 92020-3224
Document Number	0000270773
Instrument Date	Jun 9, 2017
Instrument	270773
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 GARDNER ST EL CAJON CA 920203224, EL CAJON, CA 92020-3224

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2017
Property Address	490 GARDNER ST, EL CAJON, CA 92020-3224
Document Number	0000270772
Instrument Date	Jun 9, 2017
Instrument	270772
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 GARDNER ST EL CAJON CA 920203224, EL CAJON, CA 92020-3224

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
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		$398,012 (+2%) Land $19,995 Building $378,017
2025	$5,381.00 (+3.28%) Homeowner's exemption	$390,208 (+4.04%) Land $19,603 Building $370,605
2023	$5,210.00 (+3.41%) Homeowner's exemption	$375,058 Land $18,843 Building $356,215
2022	$5,038.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

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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