545 Wayne Ave, El Cajon, CA 92021 Property Records

San Diego County property record for 545 Wayne Ave, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,066 sqft · built 1957
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$161,000 (Jul 1998)
Tax Bill	$1,777 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`489-113-04-00`

Property Details

APN / Parcel Number

Primary APN	`489-113-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,066 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	545 WAYNE AVE
City	EL CAJON
State	CA
Zip	92021-6442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 22 TR 003481
Legal Subdivision	ROSELLE MANOR
Legal Tract	003481
Legal Block	2
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	16302

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	Company Name on Record
Mailing Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 27, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED AMERICAN MORTGAGE CORP
Jan 8, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 30, 2017	Intrafamily Transfer, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 13, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 1998 · Amount on Record
Deed Sale	Jul 30, 1998 · Amount on Record
Deed Document Number	1998475322
Last Transfer Date	Oct 11, 2020
Transfer Doc	0000017275
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 WAYNE AVE, EL CAJON, CA 92021-6442

Mortgage

Document Number	0000025085
Date	Jan 31, 2023
Instrument	2023-0025085

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 WAYNE AVE, EL CAJON, CA 92021-6442

Mortgage

Document Number	0000662398
Date	Oct 27, 2020
Instrument	2020-0662398

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 8, 2021
Property Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Document Number	0000017275
Instrument Date	Oct 11, 2020
Instrument	17275
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	545 WAYNE AVE EL CAJON CA 920216442, EL CAJON, CA 92021-6442

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2017
Property Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Document Number	0000556591
Map Reference	MAP3481
Instrument Date	Nov 22, 2017
Instrument	2017-0556591
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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	545 WAYNE AVE, EL CAJON, CA 92021-6442

Mortgage

Document Number	0000556592
Date	Nov 30, 2017
Instrument	2017-0556592

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	545 WAYNE AVE, EL CAJON, CA 92021-6442
Document Number	0000034139
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 WAYNE AVE EL CAJON CA 920216442, EL CAJON, CA 92021-6442

Mortgage

Document Number	0000034139
Date	Jan 23, 2017
Instrument	34139

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

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		$65,355 (+2%) Land $29,905 Building $35,450
2025	$1,777.00 (-9.89%) Homeowner's exemption	$64,074 (+4.04%) Land $29,319 Building $34,755
2023	$1,972.00 (+20.46%) Homeowner's exemption	$61,588 Land $28,182 Building $33,406
2022	$1,637.00

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

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 647 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, T-Mobile, Wyyerd Connect.

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