5033 Ligia Pl, El Cajon, CA 92020 Property Records

San Diego County property record for 5033 Ligia Pl, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,049 sqft · built 2000
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (May 2018)
Tax Bill	$13,280 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`498-290-15-00`

Property Details

APN / Parcel Number

Primary APN	`498-290-15-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,049 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	22,216 sqft (0.51 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5033 LIGIA PL
City	EL CAJON
State	CA
Zip	92020-8232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 53 TR 005377
Legal Subdivision	HORIZON HILLS ESTATES
Legal Tract	005377
Legal Block	1
Legal Lot Number	53
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	15403

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	5033 LIGIA PL, EL CAJON, CA 92020-8232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage USC CU
May 14, 2018	Grant Deed, Transfer · ARM USC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on Record
Deed Sale	May 14, 2018 · Amount on Record
Prior Sale	Sep 26, 2011 · Amount on Record
Deed Document Number	2018192489
Prior Transfer Date	Apr 25, 2012
Prior Transfer Doc	0000193665
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5033 LIGIA PL, EL CAJON, CA 92020-8232
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5033 LIGIA PL, EL CAJON, CA 92020-8232

Mortgage

Document Number	0000327739
Date	Aug 15, 2022
Instrument	2022-0327739

Lender

Name	USC CU
Type	Credit Union
Address	LOS ANGELES, CA 90089

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2037

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 14, 2018
Property Address	5033 LIGIA PL, EL CAJON, CA 92020-8232
Document Number	0000192489
Map Reference	MAP 5377
Instrument Date	Apr 17, 2018
Instrument	2018-0192489
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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	5033 LIGIA PL, EL CAJON, CA 92020-8232

Mortgage

Document Number	0000192490
Date	May 14, 2018
Instrument	2018-0192490

Lender

Name	USC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Mortgage

Document Number	0000192491
Date	May 14, 2018
Instrument	2018-0192491

Lender

Name	UNIVERSITY OF SOUTHERN CALIFORNIA
Type	Non-Lending Institution
Address	LOS ANGELES, CA 90007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$1,160,578 (+2%) Land $667,333 Building $493,245
2025	$13,280.00 (+2.02%) Homeowner's exemption	$1,137,823 (+4.04%) Land $654,249 Building $483,574
2023	$13,017.00 (+1.59%) Homeowner's exemption	$1,093,643 Land $628,845 Building $464,798
2022	$12,813.00

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

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Wyyerd Connect.

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