503 Silvery Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 503 Silvery Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,598 sqft · built 1975
Lot Size	0.296 acres (12,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,010 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-181-10-00`

Property Details

APN / Parcel Number

Primary APN	`486-181-10-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,598 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Block
Construction Type	Masonry / Concrete Block
Lot Area	12,900 sqft (0.296 acres)
Lot Dimensions	180 ft deep x 62 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	503 SILVERY LN
City	EL CAJON
State	CA
Zip	92020-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 103 TR 002382
Legal Subdivision	ROLLING HILLS
Legal Tract	002382
Legal Block	2
Legal Lot Number	103
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	16100

Owner

503 Silvery Ln is owned and occupied by two individuals who acquired it in October 1993.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	503 SILVERY LN, EL CAJON, CA 92020-2226
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
Jan 20, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Sep 29, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 1993
Deed Sale	Oct 11, 1993
Prior Sale	Sep 3, 1986 · Amount on File
Deed Document Number	1993676337
Prior Transfer Date	Sep 29, 1993
Prior Transfer Doc	0000676338
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	503 SILVERY LN, EL CAJON, CA 92020-2226
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 SILVERY LN, EL CAJON, CA 92020-2226

Mortgage

Document Number	0000030547
Date	Jan 20, 2022
Instrument	2022-0030547

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	503 SILVERY LN, EL CAJON, CA 92020-2226
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 SILVERY LN, EL CAJON, CA 92020-2226

Mortgage

Document Number	0000454690
Date	Aug 13, 2020
Instrument	2020-0454690

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	503 SILVERY LN, EL CAJON, CA 92020-2226
Document Number	0000471479
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	503 SILVERY LN EL CAJON CA 920202226, EL CAJON, CA 92020-2226

Mortgage

Document Number	0000471479
Date	Nov 13, 2018
Instrument	471479

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 12, 2038

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	503 SILVERY LN, EL CAJON, CA 92020-2226
Document Number	0000458370
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	503 SILVERY LN EL CAJON CA 920202226, EL CAJON, CA 92020-2226

Mortgage

Document Number	0000458370
Date	Oct 4, 2017
Instrument	458370

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 503 Silvery Ln was $7,010 with a homeowner's exemption.

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$442,618 (+2%) Land $102,130 Building $340,488
2025	$7,010.00 Homeowner's exemption	$433,940 Land $100,128 Building $333,812
2023	$6,734.00 (+6.87%) Homeowner's exemption	$417,091 Land $96,241 Building $320,850
2022	$6,301.00

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

Flood

FEMA maps place 503 Silvery Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 503 Silvery Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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