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

San Diego County property record for 540 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1952
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Jul 2019)
Tax Bill	$6,281 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`487-032-02-00`

Property Details

APN / Parcel Number

Primary APN	`487-032-02-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	540 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 65 TR 002740
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002740
Legal Block	1
Legal Lot Number	65
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	540 EL MONTE RD, EL CAJON, CA 92020-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jul 2, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Mar 15, 2017	Intrafamily Transfer, Transfer · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Feb 29, 2016 · Amount on Record
Deed Document Number	2019260221
Prior Transfer Date	Feb 16, 2017
Prior Transfer Doc	0000117542
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	540 EL MONTE RD, EL CAJON, CA 92020-3026
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 EL MONTE RD, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000256274
Date	Apr 2, 2021
Instrument	2021-0256274

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2019
Property Address	540 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000260221
Instrument Date	May 27, 2019
Instrument	260221
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$489.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 EL MONTE RD EL CAJON CA 920203026, EL CAJON, CA 92020-3026

Mortgage

Document Number	260222
Date	Jul 2, 2019
Instrument	260222

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 15, 2017
Property Address	540 EL MONTE RD, EL CAJON, CA 92020-3026
Document Number	0000117542
Map Reference	MAP2740
Instrument Date	Feb 16, 2017
Instrument	2017-0117542
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	540 EL MONTE RD, EL CAJON, CA 92020-3026

Mortgage

Document Number	0000117543
Date	Mar 15, 2017
Instrument	2017-0117543

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 31, 2032

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		$496,401 (+2%) Land $318,526 Building $177,875
2025	$6,281.00 (+1.54%)	$486,669 (+4.04%) Land $312,281 Building $174,388
2023	$6,186.00 (+3.15%)	$467,772 Land $300,155 Building $167,617
2022	$5,997.00

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 · 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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