643 S 2nd St, El Cajon, CA 92019 Property Records

San Diego County property record for 643 S 2nd St, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,134 sqft · built 1967
Lot Size	0.75 acres (3,282 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Sep 2020)
Tax Bill	$5,344 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`489-333-46-00`

Property Details

APN / Parcel Number

Primary APN	`489-333-46-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,134 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	3,282 sqft (0.75 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	643 S 2ND ST
City	EL CAJON
State	CA
Zip	92019-2233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-6000
Legal Description	PAR 2 TR PM19461
Legal Subdivision	CITY OF EL CAJON
Legal Tract	1019461
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	15704

Owner

643 S 2nd St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	643 S 2ND ST, EL CAJON, CA 92019-2233
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
Nov 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 8, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 8, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on File
Deed Sale	Sep 8, 2020 · Amount on File
Prior Sale	Apr 4, 2014 · Amount on File
Deed Document Number	2020518621
Prior Transfer Date	Sep 1, 2020
Prior Transfer Doc	0000518622
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 S 2ND ST, EL CAJON, CA 92019-2233
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 S 2ND ST, EL CAJON, CA 92019-2233

Mortgage

Document Number	0000446057
Date	Nov 22, 2022
Instrument	2022-0446057

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	335 Months
Due	Oct 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	643 S 2ND ST, EL CAJON, CA 92019-2233
Document Number	0000518622
Instrument Date	Sep 1, 2020
Instrument	518622
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	FIRST AMERICAN TITLE

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	643 S 2ND ST EL CAJON CA 920192233, EL CAJON, CA 92019-2233

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	643 S 2ND ST, EL CAJON, CA 92019-2233
Document Number	0000518621
Instrument Date	Aug 31, 2020
Instrument	2020-0518621
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 S 2ND ST, EL CAJON, CA 92019-2233

Tax Assessment & Valuation

The 2025 property tax bill for 643 S 2nd St was $5,344.

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		$400,109 (+2%) Land $179,824 Building $220,285
2025	$5,344.00	$392,265 Land $176,299 Building $215,966
2023	$5,083.00 (+0.89%)	$377,035 Land $169,454 Building $207,581
2022	$5,038.00

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

Flood

FEMA maps place 643 S 2nd St in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 643 S 2nd 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 745 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

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

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