Imperial County property record for 645 W Pico Ave, El Centro, CA 92243
| Property Type | Duplex |
|---|---|
| Details | 1,344 sqft · built 1980 |
| Lot Size | 0.168 acres (7,316 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (May 2008) |
| Tax Bill | $1,990 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-280-016-000 |
| Primary APN | 044-280-016-000 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Duplex Single |
| Construction Type | Wood |
| Lot Area | 7,316 sqft (0.168 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 645 W PICO AVE |
|---|---|
| City | EL CENTRO |
| State | CA |
| Zip | 92243-1416 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LOT 6 BLK 1 MCKINLEY SUB 1 OF TR 49 CITY OF EL CENTRO |
| Legal Subdivision | MCKINLEY 01 |
| Legal Tract | 49 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | IMPERIAL CA |
| Township / Civil Division | EL CENTRO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 11500 |
645 W Pico Ave, a duplex, is owned and occupied by two individuals who bought it in May 2008.
Source: Imperial County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 W PICO AVE, EL CENTRO, CA 92243-1416 |
| 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 |
|---|---|
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Apr 5, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2008 · Amount on File |
| Deed Sale | May 5, 2008 · Amount on File |
| Prior Sale | Sep 7, 2007 · Amount on File |
| Deed Document Number | 200812503 |
| Prior Transfer Date | Sep 12, 2005 |
| Prior Transfer Doc | 0000040979 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IMPERIAL CA |
| Property Address | 645 W PICO AVE, EL CENTRO, CA 92243-1416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 645 W PICO AVE, EL CENTRO, CA 92243-1416 |
| Document Number | 0000024779 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 2020024779 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IMPERIAL CA |
| Property Address | 645 W PICO AVE, EL CENTRO, CA 92243-1416 |
| Document Number | 0000007768 |
| Instrument Date | Apr 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | AMROCK TITLE COMPANY, AMROCK TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 W PICO AVE EL CENTRO CA 922431416, EL CENTRO, CA 92243-1416 |
| Document Number | 0000007768 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 7768 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 28, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IMPERIAL CA |
| Property Address | 645 W PICO AVE, EL CENTRO, CA 92243-1416 |
| Document Number | 0000006807 |
| Instrument Date | Apr 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 W PICO AVE EL CENTRO CA 922431416, EL CENTRO, CA 92243-1416 |
| Document Number | 0000006807 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 6807 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Apr 15, 2033 |
The 2025 property tax bill for 645 W Pico Ave was $1,990.
Source: Imperial County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | California |
| County | Imperial County |
| Municipality | El Centro City |
| Secondary School District | Central Union High School District (09 - 12) |
| Elementary School District | El Centro Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $210,144 Land $85,369 Building $124,775 | |
| 2025 | $1,990.00 | |
| 2023 | $1,932.00 (+7.04%) Homeowner's exemption | $170,423 Land $82,055 Building $88,368 |
| 2022 | $1,805.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 645 W Pico Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 18, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 645 W Pico 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 | CITY OF EL CENTRO serves 44,124 people · EPA ID CA1310004 |
|---|---|
| Water Source | Purchased surface water from IMPERIAL IRRIGATION DISTRICT |
| Lead | Under 1 ppb (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 402 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures