San Diego County property record for 643 S Sunshine Ave, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1947 |
| Lot Size | 0.172 acres (7,472 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Nov 2018) |
| Tax Bill | $5,875 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 488-281-06-00 |
| Primary APN | 488-281-06-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Conventional |
| Exterior Material | Block |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,472 sqft (0.172 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 643 S SUNSHINE AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-5126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | BLK 7 LOT 17 TR 000997 |
| Legal Subdivision | SMITH & HUBBELLS ADD |
| Legal Tract | 000997 |
| Legal Block | 7 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 15802 |
643 S Sunshine Ave is owned and occupied by two individuals who bought it in November 2018.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 S SUNSHINE AVE, EL CAJON, CA 92020-5126 |
| 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.
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MY POINT CU SD |
| Nov 2, 2018 | Grant Deed, Transfer · Conventional Mortgage POINT LOMA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2018 · Amount on File |
| Deed Sale | Nov 2, 2018 · Amount on File |
| Prior Sale | Oct 3, 2013 · Amount on File |
| Deed Document Number | 2018460650 |
| Prior Transfer Date | Oct 18, 2012 |
| Prior Transfer Doc | 0000648291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 643 S SUNSHINE AVE, EL CAJON, CA 92020-5126 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD |
| Name | Verified Name |
|---|---|
| Address | 643 S SUNSHINE AVE, EL CAJON, CA 92020-5126 |
| Document Number | 0000528687 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021-0528687 |
| Name | MY POINT CU SD |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 2, 2018 |
| Property Address | 643 S SUNSHINE AVE, EL CAJON, CA 92020-5126 |
| Document Number | 0000460650 |
| Map Reference | MAP 997 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 2018-0460650 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 643 S SUNSHINE AVE, EL CAJON, CA 92020-5126 |
| Document Number | 0000460651 |
|---|---|
| Date | Nov 2, 2018 |
| Instrument | 2018-0460651 |
| Name | POINT LOMA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 643 S Sunshine Ave was $5,875 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $466,505 (+2%) Land $261,698 Building $204,807 | |
| 2025 | $5,875.00 Homeowner's exemption | $457,359 Land $256,567 Building $200,792 |
| 2023 | $5,942.00 (+1.87%) Homeowner's exemption | $439,601 Land $246,605 Building $192,996 |
| 2022 | $5,833.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 643 S Sunshine Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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 Claims | 2 (1980) |
| Most Recent Claim | Feb 1980 · tidal / storm surge |
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.
The area around 643 S Sunshine 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 618 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 DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.
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