551 Raymond St, El Cajon, CA 92020 Property Records

San Diego County property record for 551 Raymond St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1959
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jan 2018)
Tax Bill	$6,526 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-202-01-00`

Property Details

APN / Parcel Number

Primary APN	`493-202-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	551 RAYMOND ST
City	EL CAJON
State	CA
Zip	92020-6433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 39 TR 003752
Legal Subdivision	ALLENWOOD
Legal Tract	003752
Legal Block	1
Legal Lot Number	39
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	15301

Owner

551 Raymond St is owned and occupied by two individuals who bought it in January 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	551 RAYMOND ST, EL CAJON, CA 92020-6433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 5, 2018	Quit Claim Deed, Transfer OTHER
Jan 5, 2018	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2018 · Amount on File
Deed Sale	Jan 5, 2018 · Amount on File
Prior Sale	Jun 27, 2008 · Amount on File
Deed Document Number	20186672
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0000006671
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	551 RAYMOND ST, EL CAJON, CA 92020-6433
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 RAYMOND ST, EL CAJON, CA 92020-6433

Mortgage

Document Number	0000402137
Date	May 27, 2021
Instrument	2021-0402137

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2018
Property Address	551 RAYMOND ST, EL CAJON, CA 92020-6433
Document Number	0000006671
Instrument Date	Dec 18, 2017
Instrument	6671
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3668 W 37TH PL YUMA AZ 853657961, YUMA, AZ 85365-7961

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2018
Property Address	551 RAYMOND ST, EL CAJON, CA 92020-6433
Document Number	0000006672
Instrument Date	Dec 6, 2017
Instrument	6672
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$473.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	551 RAYMOND ST EL CAJON CA 920206433, EL CAJON, CA 92020-6433

Mortgage

Document Number	6673
Date	Jan 5, 2018
Instrument	6673

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 551 Raymond St was $6,526.

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		$499,042 (+2%) Land $322,912 Building $176,130
2025	$6,526.00	$489,258 Land $316,581 Building $172,677
2023	$6,529.00 (+0.29%)	$470,262 Land $304,289 Building $165,973
2022	$6,510.00

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

Flood

FEMA maps place 551 Raymond St 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

The area around 551 Raymond St has no burnable land within ember reach, so its wildfire risk is not rated.

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 740 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 in parts of the area	100 / 20

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

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