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

Imperial County property record for 635 Desert Gardens Dr, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,641 sqft · built 1979
Lot Size	0.175 acres (7,641 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2024)
Tax Bill	$5,215 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-522-031-000`

Property Details

APN / Parcel Number

Primary APN	`053-522-031-000`
Alternative APNs	`0535223101` `05352231`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,641 sqft Living Area
1st Floor Area	1,641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	7,641 sqft (0.175 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	635 DESERT GARDENS DR
City	EL CENTRO
State	CA
Zip	92243-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 130FT OF LOT 4 BLK 6 TOWNSITE OF EL CENTRO
Legal Subdivision	TOWNSITE OF EL CENTRO
Legal Block	6
Legal Lot Number	4
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	3
Census Block	3002
Census Tract	11700

Owner

635 Desert Gardens Dr is owned and occupied by two individuals who bought it in August 2024.

Source: Imperial County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 7, 2017	Grant Deed, Transfer · Conventional Mortgage WALLICK & VOLK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on File
Deed Sale	Aug 16, 2024 · Amount on File
Prior Sale	Mar 7, 2017 · Amount on File
Deed Document Number	202413108
Prior Transfer Date	Aug 15, 2024
Prior Transfer Doc	0000013109
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413

Mortgage

Document Number	0000002901
Date	Mar 2, 2026
Instrument	2026002901

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413

Mortgage

Document Number	0000030587
Date	Nov 29, 2021
Instrument	2021030587

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	IMPERIAL CA
Recording Date	Mar 7, 2017
Property Address	635 DESERT GARDENS DR, EL CENTRO, CA 92243-4413
Document Number	0000005202
Instrument Date	Mar 1, 2017
Instrument	5202
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 DESERT GARDENS DR EL CENTRO CA 922434413, EL CENTRO, CA 92243-4413

Mortgage

Document Number	5203
Date	Mar 7, 2017
Instrument	5203

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 635 Desert Gardens Dr was $5,215, up 69.2% from the year before.

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		$459,000 (+2%) Land $81,600 Building $377,400
2025	$5,215.00 (+69.15%)	$450,000 Land $80,000 Building $370,000
2024	$3,083.00 (-2.1%)
2023	$3,149.00 (+7.04%)	$267,720 Land $55,774 Building $211,946
2022	$2,942.00

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

Flood

FEMA maps place 635 Desert Gardens Dr in Zone X, an area of minimal flood risk.

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

The area around 635 Desert Gardens Dr 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	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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