1. Home
  2. California
  3. San Diego County
  4. El Cajon
  5. Chamberlain Ave

646 Chamberlain Ave, #74, El Cajon, CA 92020 Property Records

San Diego County property record for 646 Chamberlain Ave, #74, El Cajon, CA 92020

Property Summary

Property TypeMulti-Family Dwellings
Details8 bd · 4 ba · 2,876 sqft · built 1951
Lot Size0.275 acres (11,972 sqft)
Owner2 Individual Names on File
Last Sale$320,000 (Mar 2001)
Tax Bill$8,381 (2025)
Deeds & MortgagesMay 2021 Mortgage
Dec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN487-541-11-00

Property Details

APN / Parcel Number

Primary APN487-541-11-00

Interior

Bedrooms8 Beds
Full Baths4 Baths
Units4 Units
Building Area2,876 sqft Living Area

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleMulti-Family
Lot Area11,972 sqft (0.275 acres)

Location & Zoning

Street Address646 CHAMBERLAIN AVE, 74
CityEL CAJON
StateCA
Zip92020-4902
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeRM-2200
Legal DescriptionLOT 53 /EXC W 107 FT/ TR 001621
Legal SubdivisionEL CAJON ACRES
Legal Tract001621
Legal Block2
Legal Lot Number53
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group2
Census Block2001
Census Tract15901

Owner

646 Chamberlain Ave, #74 is owned by two individuals who acquired it in December 2018.

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

Owner of Record2 Individual Names on File
Mailing Address108 GREEN AVE, ESCONDIDO, CA 92025-6204
Owner TypeIndividual
VestingJoint 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

DateDocument
May 6, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 27, 2018Intrafamily Transfer, Transfer · Conventional Mortgage
SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 5, 2001 · Amount on File
Deed SaleMar 5, 2001 · Amount on File
Prior SaleJan 31, 1986 · Amount on File
Deed Document Number2001124390
Last Transfer DateDec 19, 2018
Transfer Doc0000530518
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address646 CHAMBERLAIN AVE # 74, 74, EL CAJON, CA 92020-4902
Transaction TypeMortgage
Record UpdatedMay 14, 2021
Title CompanySTEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 GREEN AVE, ESCONDIDO, CA 92025-6204

Mortgage

Document Number0000350037
DateMay 6, 2021
Instrument2021-0350037
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJun 1, 2036

December 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateDec 27, 2018
Property Address646 CHAMBERLAIN AVE # 74, 74, EL CAJON, CA 92020-4902
Document Number0000530518
Map ReferenceMAP 1621
Instrument DateDec 19, 2018
Instrument2018-0530518
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanySTEWART TITLE OF CALIFORNIA

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address106 GREEN AVE, ESCONDIDO, CA 92025-6204

Mortgage

Document Number0000530519
DateDec 27, 2018
Instrument2018-0530519
Lender
NameSIERRA PACIFIC MORTGAGE CO INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 646 Chamberlain Ave, #74 was $8,381.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEl Cajon City
Elementary School DistrictCajon Valley Union Elementary School District (KG - 08)
Secondary School DistrictGrossmont Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$491,806 (+2%) Land $155,295 Building $336,511
2025$8,381.00$482,163 Land $152,250 Building $329,913
2023$8,771.00 (+7.62%)$463,442 Land $146,339 Building $317,103
2022$8,150.00

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

Flood

FEMA maps place 646 Chamberlain Ave, #74 in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 646 Chamberlain Ave, #74 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 RiskNot 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 SystemHELIX WATER DISTRICT
serves 277,918 people · EPA ID CA3710010
Water SourceSurface water
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on Chamberlain Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures