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

San Diego County property record for 525 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,050 sqft · built 1952
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Aug 2001)
Tax Bill	$4,287 (2025)
Deeds & Mortgages	Oct 2020 Loan Modification Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`487-031-04-00`

Property Details

APN / Parcel Number

Primary APN	`487-031-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,100 sqft (0.163 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	525 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 130 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	130
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1016
Census Tract	16100

Owner

525 el Monte Rd is owned and occupied by an individual who bought it in August 2001.

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

Owner of Record	Individual Name on File
Mailing Address	525 EL MONTE RD, EL CAJON, CA 92020-3025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 23, 2020	Loan Modification, Mortgage · Conventional Mortgage CABRILLO CU
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage CABRILLO CU
Aug 29, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage EMPLOYEES CHOICE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2001 · Amount on File
Deed Sale	Aug 31, 2001 · Amount on File
Deed Document Number	2001627180
Record Updated	Oct 29, 2026

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	525 EL MONTE RD, EL CAJON, CA 92020-3025
Document Number	0000700419
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

Mortgage

Document Number	0000700419
Date	Nov 9, 2020
Instrument	700419

Lender

Name	CABRILLO CU
Address	SAN DIEGO, CA 92127

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 8, 2035

Interest

Rate	3.12%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 EL MONTE RD, EL CAJON, CA 92020-3025
Document Number	0000387556
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	525 EL MONTE RD EL CAJON CA 920203025, EL CAJON, CA 92020-3025

Mortgage

Document Number	0000387556
Date	Sep 9, 2019
Instrument	387556

Lender

Name	CABRILLO CU
Address	SAN DIEGO, CA 92131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 8, 2034

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 29, 2018
Property Address	525 EL MONTE RD, EL CAJON, CA 92020-3025
Document Number	0000355185
Map Reference	MAP 2740
Instrument Date	Aug 20, 2018
Instrument	2018-0355185
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE 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
Address	525 EL MONTE RD, EL CAJON, CA 92020-3025

Mortgage

Document Number	0000355186
Date	Aug 29, 2018
Instrument	2018-0355186

Lender

Name	EMPLOYEES CHOICE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 525 el Monte Rd was $4,287 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
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		$334,989 (+2%) Land $173,275 Building $161,714
2025	$4,287.00 Homeowner's exemption	$328,422 Land $169,878 Building $158,544
2023	$4,207.00 (+2.01%) Homeowner's exemption	$315,672 Land $163,283 Building $152,389
2022	$4,124.00

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

Flood

FEMA maps place 525 el Monte Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

The area around 525 el Monte Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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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