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

San Diego County property record for 520 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,325 sqft · built 1952
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Tax Bill	$9,305 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`487-032-05-00`

Property Details

APN / Parcel Number

Primary APN	`487-032-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,325 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached

Location & Zoning

Street Address	520 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 68 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	68
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
Census Tract	16100

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	Individual Name on Record
Mailing Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Mar 15, 2023	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Mar 15, 2023	Grant Deed, Transfer · FHA Mortgage GENHOME MORTGAGE CORP
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY LENDING INC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PCMA INC
Jan 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023
Deed Sale	Mar 15, 2023
Prior Sale	Mar 15, 2023 · Amount on Record
Deed Document Number	202366496
Prior Transfer Date	Nov 14, 2012
Prior Transfer Doc	0000732385
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 EL MONTE RD, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000307921
Date	Oct 31, 2025
Instrument	2025-0307921

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34476

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 15, 2023
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000066496
Map Reference	MAP 2740
Instrument Date	Mar 14, 2023
Instrument	2023-0066496
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	520 EL MONTE RD, EL CAJON, CA 92020-3026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 15, 2023
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000066495
Map Reference	MAP 2740
Instrument Date	Feb 23, 2023
Instrument	2023-0066495
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	520 EL MONTE RD, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000066497
Date	Mar 15, 2023
Instrument	2023-0066497

Lender

Name	GENHOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 EL MONTE RD, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000636663
Date	Sep 8, 2021
Instrument	2021-0636663

Lender

Name	SYNERGY LENDING INC
Type	Non-Lending Institution
Address	IRVINE, CA 92620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000236261
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 EL MONTE RD EL CAJON CA 920203026, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000236261
Date	May 8, 2020
Instrument	236261

Lender

Name	PCMA INC
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000053089
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC-OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 EL MONTE RD EL CAJON CA 920203026, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000053089
Date	Feb 14, 2019
Instrument	53089

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$742,842 (+2%) Land $345,618 Building $397,224
2025	$9,305.00 (+168.47%)	$728,278 (+220.83%) Land $338,842 Building $389,436
2023	$3,466.00 (+3.09%)	$226,999 Land $105,615 Building $121,384
2022	$3,362.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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