609 N Pierce St, El Cajon, CA 92020 Property Records

San Diego County property record for 609 N Pierce St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1960
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$566,000 (May 2020)
Tax Bill	$8,358 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`482-233-02-00`

Property Details

APN / Parcel Number

Primary APN	`482-233-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	609 N PIERCE ST
City	EL CAJON
State	CA
Zip	92020-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 170 TR 002843
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002843
Legal Block	1
Legal Lot Number	170
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1066
Census Tract	16202

Owner

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 Record
Mailing Address	609 N PIERCE ST, EL CAJON, CA 92020-3045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 20, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 16, 2018	Grant Deed, Transfer · VA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Document Number	2020257012
Prior Transfer Date	Mar 1, 2006
Prior Transfer Doc	0000145093
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	609 N PIERCE ST, EL CAJON, CA 92020-3045
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 N PIERCE ST, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000367347
Date	May 13, 2021
Instrument	2021-0367347

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	609 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000257012
Instrument Date	Apr 16, 2020
Instrument	257012
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$623.00
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	609 N PIERCE ST EL CAJON CA 920203045, EL CAJON, CA 92020-3045

Mortgage

Document Number	257013
Date	May 20, 2020
Instrument	257013

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2018
Property Address	609 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000062450
Map Reference	MAP 2843
Instrument Date	Jan 23, 2018
Instrument	2018-0062450
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	609 N PIERCE ST, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000062451
Date	Feb 16, 2018
Instrument	2018-0062451

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$631,377 (+2%) Land $373,695 Building $257,682
2025	$8,358.00 (+0.57%)	$618,998 (+4.04%) Land $366,368 Building $252,630
2023	$8,311.00 (+3.04%)	$594,964 Land $352,143 Building $242,821
2022	$8,066.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (1979–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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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