499 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 499 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1952
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,949 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-031-08-00`

Property Details

APN / Parcel Number

Primary APN	`487-031-08-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	499 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 126 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	126
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
Census Tract	16100

Owner

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	499 EL MONTE RD, EL CAJON, CA 92020-3023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Intrafamily Transfer, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 21, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 29, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Apr 4, 2018	Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021
Deed Sale	Dec 20, 2021
Prior Sale	Apr 4, 2018 · Amount on File
Deed Document Number	2021855489
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0000855489
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2021
Property Address	499 EL MONTE RD, EL CAJON, CA 92020-3023
Document Number	0000855489
Map Reference	MAP 2740
Instrument Date	Dec 14, 2021
Instrument	2021-0855489
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	499 EL MONTE RD, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000855490
Date	Dec 20, 2021
Instrument	2021-0855490

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	499 EL MONTE RD, EL CAJON, CA 92020-3023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062517
Date	Feb 21, 2019
Instrument	2019-0062517

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	499 EL MONTE RD, EL CAJON, CA 92020-3023
Document Number	0000505627
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 EL MONTE RD EL CAJON CA 920203023, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000505627
Date	Nov 5, 2019
Instrument	505627

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 4, 2018
Property Address	499 EL MONTE RD, EL CAJON, CA 92020-3023
Document Number	0000132831
Map Reference	MAP 2740
Instrument Date	Mar 19, 2018
Instrument	2018-0132831
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount 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
Address	499 EL MONTE RD, EL CAJON, CA 92020-3023

Mortgage

Document Number	0000132832
Date	Apr 4, 2018
Instrument	2018-0132832

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

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		$522,260 (+2%) Land $319,160 Building $203,100
2025	$6,949.00 (+2.64%)	$512,020 (+4.04%) Land $312,902 Building $199,118
2023	$6,770.00 (+3.31%)	$492,139 Land $300,752 Building $191,387
2022	$6,553.00

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 Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile.

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