524 S 3rd St, El Cajon, CA 92019 Property Records

San Diego County property record for 524 S 3rd St, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	7 bd · 3 ba · 3,891 sqft · built 1940
Lot Size	0.426 acres (18,537 sqft)
Owner	2 Company Names on Record
Last Sale	$207,000 (Jan 1997)
Tax Bill	$5,775 (2025)
Deeds & Mortgages	Jun 2026 Sale Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`511-280-64-00`

Property Details

APN / Parcel Number

Primary APN	`511-280-64-00`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Building Area	3,891 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	18,537 sqft (0.426 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	524 S 3RD ST
City	EL CAJON
State	CA
Zip	92019-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	PAR 1 TR PM09175
Legal Subdivision	CITY OF EL CAJON
Legal Tract	9175
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	15601

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 Company Names on Record
Mailing Address	524 S 3RD ST, EL CAJON, CA 92019-2514
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Feb 12, 2019	Deed of Trust, Mortgage · ARM POINT LOMA CU
Mar 19, 2019	Deed of Trust, Mortgage · Line of Credit POINT LOMA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 1997 · Amount on Record
Deed Sale	Jan 30, 1997 · Amount on Record
Deed Document Number	199741475
Prior Transfer Date	Jun 14, 1996
Prior Transfer Doc	0000041474
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2026
Property Address	524 S 3RD ST, EL CAJON, CA 92019-2514
Document Number	0000169807
Instrument Date	May 22, 2026
Instrument	2026169807
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	524 S 3RD ST, EL CAJON, CA 92019-2514

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	524 S 3RD ST, EL CAJON, CA 92019-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 S 3RD ST, EL CAJON, CA 92019-2514

Mortgage

Document Number	0000051201
Date	Feb 12, 2019
Instrument	2019-0051201

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2024
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	5-Year CMT
Max Rate	8.5%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	524 S 3RD ST, EL CAJON, CA 92019-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096827
Date	Mar 19, 2019
Instrument	2019-0096827

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 19, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$343,853 (+2%) Land $99,660 Building $244,193
2025	$5,775.00 (+5.04%) Homeowner's exemption	$337,111 (+4.04%) Land $97,706 Building $239,405
2023	$5,498.00 (+0.07%) Homeowner's exemption	$324,022 Land $93,913 Building $230,109
2022	$5,494.00

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	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 694 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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