545 Desert Gardens Dr, El Centro, CA 92243 Property Records

Imperial County property record for 545 Desert Gardens Dr, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	1,588 sqft
Lot Size	0.176 acres (7,663 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,846 (2025)
Deeds & Mortgages	Jul 2026 Sale Jun 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`053-532-006-000`

Property Details

APN / Parcel Number

Primary APN	`053-532-006-000`
Alternative APNs	`0535320601` `05353206`

Interior

Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,588 sqft

Exterior

Construction Type	Wood
Lot Area	7,663 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	545 DESERT GARDENS DR
City	EL CENTRO
State	CA
Zip	92243-4411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 130 FT OF LOT 5 BLK 7 EL CENTRO ADD NO 4 OM 2 85
Legal Subdivision	EL CENTRO ADD 04
Legal Block	7
Legal Lot Number	5
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	3
Census Block	3003
Census Tract	11700

Owner

Source: Imperial County records, as of August 18, 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	372 COUNTRYSIDE DR, EL CENTRO, CA 92243-8402
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jun 29, 2026	Grant Deed, Transfer · Conventional Mortgage MORTGAGE INC
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit SUN COMMUNITY FCU
Jan 11, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 29, 2026
Transfer Doc	0000011413
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Jul 21, 2026
Property Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411
Document Number	0000011413
Instrument Date	Jun 29, 2026
Instrument	202611413
Transaction Type	Transfer
Record Updated	Aug 31, 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	Family Trust
Address	372 COUNTRYSIDE DR, EL CENTRO, CA 92243-8402

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Jun 29, 2026
Property Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411
Document Number	0000009790
Instrument Date	Jun 9, 2026
Instrument	20269790
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009791,
Date	Jun 29, 2026
Instrument	20269791

Lender

Name	MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411

Mortgage

Document Number	0000025257
Date	Dec 27, 2022
Instrument	2022025257

Lender

Name	SUN COMMUNITY FCU
Type	Credit Union
Address	HOLTVILLE, CA 92250

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IMPERIAL CA
Recording Date	Jan 11, 2023
Property Address	545 DESERT GARDENS DR, EL CENTRO, CA 92243-4411
Document Number	0000000570
Map Reference	MAP 152
Instrument Date	Jan 10, 2023
Instrument	2023000570
Transaction Type	Transfer
Record Updated	Feb 16, 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
Relationship	Community Property
Address	372 COUNTRYSIDE DR, EL CENTRO, CA 92243-8402
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Imperial County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	California
County	Imperial County
Municipality	El Centro City
Secondary School District	Central Union High School District (09 - 12)
Elementary School District	El Centro Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$160,999 (+2%) Land $46,892 Building $114,107
2025	$1,846.00 (+2.78%)	$157,843 (+4.04%) Land $45,973 Building $111,870
2023	$1,796.00 (+6.97%)	$151,716 Land $44,189 Building $107,527
2022	$1,679.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023

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	CITY OF EL CENTRO serves 44,124 people · EPA ID CA1310004
Water Source	Purchased surface water from IMPERIAL IRRIGATION DISTRICT
Lead	Under 1 ppb (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 588 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GeoLinks.

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