644 Grant Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 644 Grant Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,620 sqft · built 1950
Lot Size	0.237 acres (10,300 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Dec 1996)
Tax Bill	$1,449 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`492-050-15-00`

Property Details

APN / Parcel Number

Primary APN	`492-050-15-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,300 sqft (0.237 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 GRANT AVE
City	EL CAJON
State	CA
Zip	92020-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	BLK 1 LOT 15 TR 002476
Legal Subdivision	HARDIN ADD
Legal Tract	002476
Legal Block	1
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3005
Census Tract	15902

Owner

Source: San Diego County records, as of July 21, 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	644 GRANT AVE, EL CAJON, CA 92020-5803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Affidavit of Death of Joint Tenant, Transfer FC TITLE, FNC TITLE
Feb 11, 2026	Intrafamily Transfer, Transfer · Reverse Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 1996 · Amount on Record
Deed Sale	Dec 26, 1996 · Amount on Record
Prior Sale	Jun 13, 1986 · Amount on Record
Deed Document Number	1996647142
Last Transfer Date	Jan 10, 2026
Transfer Doc	0000038034
Record Updated	Sep 20, 2026

February 2026: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 11, 2026
Property Address	644 GRANT AVE, EL CAJON, CA 92020-5803
Document Number	0000038033
Map Reference	MAP 2476
Instrument Date	Jan 10, 2026
Instrument	2026-0038033
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	FC TITLE, FNC TITLE

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 GRANT AVE, EL CAJON, CA 92020-5803

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 11, 2026
Property Address	644 GRANT AVE, EL CAJON, CA 92020-5803
Document Number	0000038034
Map Reference	MAP 2476
Instrument Date	Jan 10, 2026
Instrument	2026-0038034
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	FNC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 GRANT AVE, EL CAJON, CA 92020-5803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 GRANT AVE, EL CAJON, CA 92020-5803

Mortgage

Document Number	0000038035
Date	Feb 11, 2026
Instrument	2026-0038035

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	917 Months
Due	Jul 9, 2102

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2026
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$244,170 (+2%) Land $86,123 Building $158,047
2025	$1,449.00 (-2.16%)	$239,384 (+4.04%) Land $84,435 Building $154,949
2023	$1,481.00 (-12.31%)	$230,090 Land $81,157 Building $148,933
2022	$1,689.00

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 · 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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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

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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