613 Laguna Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 613 Laguna Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1951
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Nov 2023)
Tax Bill	$8,559 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`492-472-08-00`

Property Details

APN / Parcel Number

Primary APN	`492-472-08-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	6,200 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	613 LAGUNA AVE
City	EL CAJON
State	CA
Zip	92020-7331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 20 TR 002732
Legal Subdivision	GROSSMONT VILLAS
Legal Tract	002732
Legal Block	2
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2009
Census Tract	15302

Owner

613 Laguna Ave is owned and occupied by two individuals who acquired it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGEONE INC
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Oct 14, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2023	Intrafamily Transfer, Transfer LAWYERS TITLE
Nov 30, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 24, 2020	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on File
Deed Sale	Nov 30, 2023 · Amount on File
Prior Sale	Jun 24, 2020 · Amount on File
Deed Document Number	2023331073
Last Transfer Date	Sep 30, 2025
Transfer Doc	0000286064
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Investor	Possibly a Property Investor

Mortgage

Document Number	0000460749
Date	Jun 24, 2021
Instrument	2021-0460749

Lender

Name	MORTGAGEONE INC
Type	Mortgage Company
Address	CARLSBAD, CA 92008

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Investor	Possibly a Property Investor

Mortgage

Document Number	0000800986
Date	Nov 22, 2021
Instrument	2021-0800986

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2025
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Document Number	0000286064
Map Reference	MAP 2732
Instrument Date	Sep 30, 2025
Instrument	2025-0286064
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Relationship	Joint Tenants
Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331

Mortgage

Document Number	0000286065
Date	Oct 14, 2025
Instrument	2025-0286065

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2023
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Document Number	0000331072
Map Reference	MAP 2732
Instrument Date	Nov 16, 2023
Instrument	2023-0331072
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	LAWYERS TITLE

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	613 LAGUNA AVE, EL CAJON, CA 92020-7331

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2023
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Document Number	0000331073
Map Reference	MAP 2732
Instrument Date	Nov 15, 2023
Instrument	2023-0331073
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	613 LAGUNA AVE, EL CAJON, CA 92020-7331

Mortgage

Document Number	0000331074
Date	Nov 30, 2023
Instrument	2023-0331074

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2020
Property Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331
Document Number	0000330066
Map Reference	MAP 2732
Instrument Date	Jun 2, 2020
Instrument	2020-0330066
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	613 LAGUNA AVE, EL CAJON, CA 92020-7331

Mortgage

Document Number	0000330067
Date	Jun 24, 2020
Instrument	2020-0330067

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 613 Laguna Ave was $8,559.

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		$682,773 (+1.42%) Land $375,270 Building $307,503
2025	$8,559.00 Homeowner's exemption	$673,199 Land $270,021 Building $403,178
2023	$5,865.00 (+2.88%)	$442,543 Land $177,505 Building $265,038
2022	$5,701.00

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

Flood

FEMA maps place 613 Laguna Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	3 (1978–1983)
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

The area around 613 Laguna Ave 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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