636 S 3rd St, El Cajon, CA 92019 Property Records

San Diego County property record for 636 S 3rd St, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,679 sqft · built 1998
Lot Size	0.258 acres (11,254 sqft)
Owner	Individual Name on File
Last Sale	$955,000 (Jun 2026)
Tax Bill	$5,079 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`511-550-06-00`

Property Details

APN / Parcel Number

Primary APN	`511-550-06-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,679 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	11,254 sqft (0.258 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	636 S 3RD ST
City	EL CAJON
State	CA
Zip	92019-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 6 TR 013340
Legal Subdivision	CITY/EL CAJON
Legal Tract	013340
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
Census Tract	15601

Owner

636 S 3rd St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	636 S 3RD ST, EL CAJON, CA 92019-2516
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 29, 2026	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT CORPORATION
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Mar 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Aug 28, 1997 · Amount on File
Deed Document Number	2026185565
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 29, 2026
Property Address	636 S 3RD ST, EL CAJON, CA 92019-2516
Document Number	0000185565
Instrument Date	Jun 13, 2026
Instrument	2026185565
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106,100.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	636 S 3RD ST, EL CAJON, CA 92019-2516

Mortgage

Document Number	0000185566,
Date	Jun 29, 2026
Instrument	2026185566

Lender

Name	WORLD WIDE CREDIT CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2026
Property Address	636 S 3RD ST, EL CAJON, CA 92019-2516
Document Number	0000169572
Instrument Date	Jun 3, 2026
Instrument	2026169572
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 S 3RD ST, EL CAJON, CA 92019-2516

Mortgage

Document Number	0000169572,
Date	Jun 12, 2026
Instrument	2026169572

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2056

Interest

Rate	6.37%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 S 3RD ST, EL CAJON, CA 92019-2516
Document Number	0000184837
Instrument Date	Mar 21, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	636 S 3RD ST EL CAJON CA 920192516, EL CAJON, CA 92019-2516

Mortgage

Document Number	0000184837
Date	Apr 13, 2020
Instrument	184837

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 12, 2045

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 S 3RD ST, EL CAJON, CA 92019-2516
Document Number	0000414972
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	636 S 3RD ST EL CAJON CA 920192516, EL CAJON, CA 92019-2516

Mortgage

Document Number	0000414972
Date	Oct 5, 2018
Instrument	414972

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	636 S 3RD ST, EL CAJON, CA 92019-2516
Document Number	0000189649
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 S 3RD ST EL CAJON CA 920192516, EL CAJON, CA 92019-2516

Mortgage

Document Number	0000189649
Date	Apr 27, 2017
Instrument	189649

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 636 S 3rd St was $5,079.

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		$310,414 (+2%) Land $97,538 Building $212,876
2025	$5,079.00 Homeowner's exemption	$304,328 Land $95,626 Building $208,702
2023	$4,302.00 (-4.72%) Homeowner's exemption	$292,512 Land $91,913 Building $200,599
2022	$4,515.00

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

FEMA maps place 636 S 3rd 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 636 S 3rd 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 694 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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