San Diego County property record for 645 Jefferson Ave, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,436 sqft · built 1949 |
| Lot Size | 0.175 acres (7,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Dec 2018) |
| Tax Bill | $6,858 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 488-310-03-00 |
| Primary APN | 488-310-03-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,436 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Lot Area | 7,600 sqft (0.175 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 645 JEFFERSON AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-6008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 3 TR 002444 |
| Legal Subdivision | HAMILTON SQUARE |
| Legal Tract | 002444 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 15802 |
Source: San Diego County assessment roll, APN 488-310-03-00, as of July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 03, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 29, 2020 | Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE |
| Dec 17, 2018 | Grant Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on Record |
| Deed Sale | Dec 17, 2018 · Amount on Record |
| Prior Sale | May 15, 1987 · Amount on Record |
| Deed Document Number | 2018516385 |
| Prior Transfer Date | Oct 04, 2013 |
| Prior Transfer Doc | 0000614389 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Document Number | 0000824087 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 2021-0824087 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Document Number | 0000580646 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2020-0580646 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 17, 2018 |
| Property Address | 645 JEFFERSON AVE, EL CAJON, CA 92020-6008 |
| Document Number | 0000516385 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 516385 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2018 |
| Title Company | TICOR TITLE SAN DIEGO BR |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 JEFFERSON AVE EL CAJON CA 920206008, EL CAJON, CA 92020-6008 |
| Document Number | 516386 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 516386 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: San Diego County assessment roll as of July 21, 2026 · Last verified July 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $534,773 (+2%) Land $284,453 Building $250,320 | |
| 2025 | $6,858.00 (+0.94%) | $524,288 (+4.04%) Land $278,876 Building $245,412 |
| 2023 | $6,794.00 (+3.19%) | $503,931 Land $268,048 Building $235,883 |
| 2022 | $6,584.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 618 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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: California Internet, T-Mobile USA, Verizon, Wyyerd Group.
Source: EPA Safe Drinking Water Information System, water system CA3710010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HELIX WATER DISTRICT serves 277,918 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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