San Diego County property record for 495 Gardner St, El Cajon, CA 92020
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,421 sqft · built 1942 |
| Lot Size | 0.149 acres (6,491 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jun 2002) |
| Tax Bill | $4,966 (2025) |
| Deeds & Mortgages | Oct 2020 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 487-142-14-00 |
| Primary APN | 487-142-14-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Building Area | 1,421 sqft Living Area |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Duplex Single |
| Lot Area | 6,491 sqft (0.149 acres) |
| Street Address | 495 GARDNER ST |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-3223 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 26 TR 002690 |
| Legal Subdivision | GARDNERVILLE |
| Legal Tract | 002690 |
| Legal Block | 2 |
| Legal Lot Number | 26 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16202 |
495 Gardner St, a duplex, is owned and occupied by two individuals who acquired it in October 2020.
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 | 495 GARDNER ST, EL CAJON, CA 92020-3223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2002 · Amount on File |
| Deed Sale | Jun 11, 2002 · Amount on File |
| Prior Sale | Apr 9, 1999 · Amount on File |
| Deed Document Number | 2002496040 |
| Last Transfer Date | Oct 19, 2020 |
| Transfer Doc | 0000669929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 29, 2020 |
| Property Address | 495 GARDNER ST, EL CAJON, CA 92020-3223 |
| Document Number | 0000669929 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 669929 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 9514 WINTER GARDENS BLVD LAKESIDE CA 920404005, LAKESIDE, CA 92040-4005 |
The 2025 property tax bill for 495 Gardner St was $4,966 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $316,414 (+2%) Land $165,740 Building $150,674 | |
| 2025 | $4,966.00 Homeowner's exemption | $310,211 Land $162,491 Building $147,720 |
| 2023 | $4,575.00 (-2.51%) Homeowner's exemption | $298,167 Land $156,182 Building $141,985 |
| 2022 | $4,693.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 495 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 |
|
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.
The area around 495 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.
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 |
| 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.
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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