538 N 3rd St, El Cajon, CA 92019 Property Records

San Diego County property record for 538 N 3rd St, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,168 sqft · built 1956
Lot Size	0.208 acres (9,062 sqft)
Owner	Individual Name on Record
Last Sale	$326,000 (Aug 2003)
Tax Bill	$7,095 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`511-014-07-00`

Property Details

APN / Parcel Number

Primary APN	`511-014-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,168 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	9,062 sqft (0.208 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	538 N 3RD ST
City	EL CAJON
State	CA
Zip	92019-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-4300
Legal Description	BLK 9 LOT 18 S 60 FT TR 001833
Legal Subdivision	BOSTONIA ACRES
Legal Tract	001833
Legal Block	9
Legal Lot Number	18
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3005
Census Tract	16403

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	538 N 3RD ST, EL CAJON, CA 92019-1017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 24, 2019	Correction Deed FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2003 · Amount on Record
Deed Sale	Aug 8, 2003 · Amount on Record
Prior Sale	May 10, 2002 · Amount on Record
Deed Document Number	2003959781
Prior Transfer Date	Jan 26, 1996
Prior Transfer Doc	0000066035
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 22, 2026
Property Address	538 N 3RD ST, EL CAJON, CA 92019-1017
Document Number	0000147522
Instrument Date	May 18, 2026
Instrument	2026147522
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 N 3RD ST, EL CAJON, CA 92019-1017

Mortgage

Document Number	0000147522,
Date	May 22, 2026
Instrument	2026147522

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 N 3RD ST, EL CAJON, CA 92019-1017
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199943
Date	May 24, 2019
Instrument	2019-0199943

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2019
Property Address	538 N 3RD ST, EL CAJON, CA 92019-1017
Document Number	0000199942
Instrument Date	May 17, 2019
Instrument	199942
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 N 3RD ST EL CAJON CA 920191017, EL CAJON, CA 92019-1017

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		$462,770 (+2%) Land $222,256 Building $240,514
2025	$7,095.00 (+5.27%) Homeowner's exemption	$453,698 (+4.04%) Land $217,899 Building $235,799
2023	$6,740.00 (+2.45%) Homeowner's exemption	$436,083 Land $209,439 Building $226,644
2022	$6,579.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 605 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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