644 Emerald Ave, #46, El Cajon, CA 92020 Property Records

San Diego County property record for 644 Emerald Ave, #46, El Cajon, CA 92020

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,070 sqft · built 1946
Lot Size	0.218 acres (9,485 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Sep 2021)
Tax Bill	$11,205 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-544-61-00`

Property Details

APN / Parcel Number

Primary APN	`487-544-61-00`
Alternative APN	`4875445400`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	2,070 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Duplex Single
Lot Area	9,485 sqft (0.218 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Old Parcel Number	4875445400
Street Address	644 EMERALD AVE, 46
City	EL CAJON
State	CA
Zip	92020-5008
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RM-4300
Legal Description	LOT 5 TR 008611
Legal Subdivision	HACKWORTH ADD
Legal Tract	008611
Legal Block	2
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	15901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11982 FUERTE VISTA LN, EL CAJON, CA 92020-8372
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ZB NA
Sep 1, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Sep 1, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Sep 1, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Jun 27, 2016 · Amount on Record
Deed Document Number	2021624135
Last Transfer Date	May 6, 2022
Transfer Doc	0000200481
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 9, 2022
Property Address	644 EMERALD AVE # 46, 46, EL CAJON, CA 92020-5008
Document Number	0000200481
Map Reference	MAP 8611
Instrument Date	May 6, 2022
Instrument	2022-0200481
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11982 FUERTE VISTA LN, EL CAJON, CA 92020-8372

Mortgage

Document Number	0000200482
Date	May 9, 2022
Instrument	2022-0200482

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2021
Property Address	644 EMERALD AVE # 46, 46, EL CAJON, CA 92020-5008
Document Number	0000624135
Map Reference	MAP 8611
Instrument Date	Aug 30, 2021
Instrument	2021-0624135
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	11982 FUERTE VISTA LN, EL CAJON, CA 92020-8372

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2021
Property Address	644 EMERALD AVE # 46, 46, EL CAJON, CA 92020-5008
Document Number	0000624133
Map Reference	MAP 8611
Instrument Date	Aug 30, 2021
Instrument	2021-0624133
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22065 LONG TROT DR, ESCONDIDO, CA 92029-5931

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2021
Property Address	644 EMERALD AVE # 46, 46, EL CAJON, CA 92020-5008
Document Number	0000624134
Map Reference	MAP 8611
Instrument Date	Aug 30, 2021
Instrument	2021-0624134
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 EMERALD AVE, EL CAJON, CA 92020-5008

Tax Assessment & Valuation

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		$811,822 (+2%) Land $432,972 Building $378,850
2025	$11,205.00 (+2.68%)	$795,905 (+4.04%) Land $424,483 Building $371,422
2023	$10,913.00 (+5%)	$765,000 Land $408,000 Building $357,000
2022	$10,393.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

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

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