497 Mountain View Rd, El Cajon, CA 92021 Property Records

San Diego County property record for 497 Mountain View Rd, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,409 sqft · built 1952
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Oct 2022)
Tax Bill	$8,488 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`401-090-46-00`

Property Details

APN / Parcel Number

Primary APN	`401-090-46-00`
Alternative APN	`4010903500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,409 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	25,700 sqft (0.59 acres)
View / Lot	Good

Location & Zoning

Old Parcel Number	4010903500
Street Address	497 MOUNTAIN VIEW RD
City	EL CAJON
State	CA
Zip	92021-3849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 35-15-1E /EXC DOC152829REC68/ DOCS107782REC59&152830REC68 IN
Legal Range	01E
Legal Township	15
Legal Section	35
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2021
Census Tract	15502

Owner

497 Mountain View Rd is owned and occupied by two individuals who bought it in October 2022.

Source: San Diego County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Oct 28, 2022	Grant Deed, Transfer · FHA Mortgage GENHOME MORTGAGE CORP
Feb 22, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Feb 22, 2018 · Amount on File
Deed Document Number	2022415433
Prior Transfer Date	Dec 14, 2000
Prior Transfer Doc	0000038963
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849

Mortgage

Document Number	0000045219
Date	Feb 22, 2024
Instrument	2024-0045219

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Nov 1, 2052

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2022
Property Address	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849
Document Number	0000415433
Instrument Date	Oct 3, 2022
Instrument	2022-0415433
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849

Mortgage

Document Number	0000415434
Date	Oct 28, 2022
Instrument	2022-0415434

Lender

Name	GENHOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2018
Property Address	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849
Document Number	0000071200
Instrument Date	Jan 30, 2018
Instrument	2018-0071200
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	497 MOUNTAIN VIEW RD, EL CAJON, CA 92021-3849

Mortgage

Document Number	0000071202
Date	Feb 22, 2018
Instrument	2018-0071202

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 497 Mountain View Rd was $8,488, down 0.4% from the year before.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$689,782 (+2%) Land $294,957 Building $394,825
2025	$8,488.00 (-0.42%)	$676,258 Land $289,174 Building $387,084
2024	$8,524.00 (+2.69%)
2023	$8,301.00 (+63.31%)	$650,000 Land $277,946 Building $372,054
2022	$5,083.00

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

Flood

FEMA maps place 497 Mountain View Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1993–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1996 · 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

Wildfire risk around 497 Mountain View Rd is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 91% of the US · above 74% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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