644 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 644 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft · built 1952
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,687 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`482-231-18-00`

Property Details

APN / Parcel Number

Primary APN	`482-231-18-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	896 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 251 TR 002843
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002843
Legal Block	1
Legal Lot Number	251
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1014
Census Tract	16100

Owner

644 el Monte Rd is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	644 EL MONTE RD, EL CAJON, CA 92020-3028
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
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Apr 22, 2020	· VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 23, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jun 23, 2017	Grant Deed, Transfer · VA Mortgage AMERICAN PREFERRED LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2020
Deed Sale	Apr 22, 2020
Prior Sale	Jun 23, 2017 · Amount on File
Deed Document Number	2020204771
Prior Transfer Date	Apr 16, 2020
Prior Transfer Doc	0000204771
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	644 EL MONTE RD, EL CAJON, CA 92020-3028
Transaction Type	Mortgage
Record Updated	Oct 6, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 EL MONTE RD, EL CAJON, CA 92020-3028

Mortgage

Document Number	0000378844
Date	Sep 27, 2022
Instrument	2022-0378844

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020:

Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2020
Property Address	644 EL MONTE RD, EL CAJON, CA 92020-3028
Document Number	0000204771
Map Reference	MAP 2843
Instrument Date	Apr 16, 2020
Instrument	2020-0204771
Record Updated	Aug 24, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	644 EL MONTE RD, EL CAJON, CA 92020-3028

Mortgage

Document Number	0000204772
Date	Apr 22, 2020
Instrument	2020-0204772

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2017
Property Address	644 EL MONTE RD, EL CAJON, CA 92020-3028
Document Number	0000285908
Instrument Date	Jun 22, 2017
Instrument	285908
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	644 EL MONTE RD EL CAJON CA 920203028, EL CAJON, CA 92020-3028

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2017
Property Address	644 EL MONTE RD, EL CAJON, CA 92020-3028
Document Number	0000285909
Map Reference	MAP2843
Instrument Date	May 17, 2017
Instrument	2017-0285909
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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	644 EL MONTE RD, EL CAJON, CA 92020-3028

Mortgage

Document Number	0000285910
Date	Jun 23, 2017
Instrument	2017-0285910

Lender

Name	AMERICAN PREFERRED LENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 644 el Monte Rd was $5,687.

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		$449,833 (+2%) Land $196,727 Building $253,106
2025	$5,687.00	$441,014 Land $192,870 Building $248,144
2023	$5,564.00 (-2.01%)	$423,891 Land $185,382 Building $238,509
2022	$5,678.00

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

Flood

FEMA maps place 644 el Monte Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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 644 el Monte Rd 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile.

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