539 Silvery Ln, El Cajon, CA 92020 Property Records

San Diego County property record for 539 Silvery Ln, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,614 sqft · built 1947
Lot Size	0.247 acres (10,738 sqft)
Owner	Trust Name on File
Last Sale	$930,000 (Jun 2024)
Tax Bill	$11,799 (2025)
Deeds & Mortgages	Mar 2026 Sale Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`486-181-26-00`

Property Details

APN / Parcel Number

Primary APN	`486-181-26-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,614 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	10,738 sqft (0.247 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	539 SILVERY LN
City	EL CAJON
State	CA
Zip	92020-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	PAR 3 TR PM04775
Legal Subdivision	PORTION HATS HOLLOW SUBDIVISION
Legal Tract	4775
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	16100

Owner

539 Silvery Ln is owner-occupied and held in a trust since June 2024.

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

Owner of Record	Trust Name on File
Mailing Address	539 SILVERY LN, EL CAJON, CA 92020-2226
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 10, 2026	Deed, Transfer
Oct 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Mar 18, 2022	Intrafamily Transfer, Transfer
Mar 18, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Prior Sale	Jun 9, 1998 · Amount on File
Deed Document Number	2024165456
Prior Transfer Date	Jun 6, 1994
Prior Transfer Doc	0000369094
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2026
Property Address	539 SILVERY LN, EL CAJON, CA 92020-2226
Document Number	0000065010
Map Reference	MAP 4775
Instrument Date	Mar 8, 2026
Instrument	2026-0065010
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 SILVERY LN, EL CAJON, CA 92020-2226

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	539 SILVERY LN, EL CAJON, CA 92020-2226
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 SILVERY LN, EL CAJON, CA 92020-2226

Mortgage

Document Number	0000296019
Date	Oct 22, 2025
Instrument	2025-0296019

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2022
Property Address	539 SILVERY LN, EL CAJON, CA 92020-2226
Document Number	0000121632
Map Reference	FILE 76-166736
Instrument Date	Feb 15, 2022
Instrument	2022-0121632
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	539 SILVERY LN, EL CAJON, CA 92020-2226

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2022
Property Address	539 SILVERY LN, EL CAJON, CA 92020-2226
Document Number	0000121631
Map Reference	FILE 76-166736
Instrument Date	Feb 15, 2022
Instrument	2022-0121631
Transaction Type	Transfer
Record Updated	Mar 29, 2022

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	539 SILVERY LN, EL CAJON, CA 92020-2226

Tax Assessment & Valuation

The 2025 property tax bill for 539 Silvery Ln was $11,799, up 172.6% from the year before.

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$967,572 (+2%) Land $624,240 Building $343,332
2025	$11,799.00 (+172.56%) Homeowner's exemption	$948,600 Land $612,000 Building $336,600
2024	$4,329.00 (+8.2%)
2023	$4,001.00 (-1.14%)	$272,471 Land $118,437 Building $154,034
2022	$4,047.00

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

FEMA maps place 539 Silvery Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 539 Silvery Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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