646 Morgan Way, El Cajon, CA 92020 Property Records

San Diego County property record for 646 Morgan Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1956
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jun 2009)
Tax Bill	$4,459 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`492-290-09-00`

Property Details

APN / Parcel Number

Primary APN	`492-290-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,648 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	646 MORGAN WAY
City	EL CAJON
State	CA
Zip	92020-7340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 79 TR 003227
Legal Subdivision	CHASE MDWS
Legal Tract	003227
Legal Block	3
Legal Lot Number	79
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3007
Census Tract	15902

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	2 Individual Names on Record
Mailing Address	646 MORGAN WAY, EL CAJON, CA 92020-7340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Aug 26, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2009 · Amount on Record
Deed Sale	Jun 16, 2009 · Amount on Record
Prior Sale	Sep 4, 2008
Deed Document Number	2009327650
Prior Transfer Date	Feb 5, 2003
Prior Transfer Doc	0000134500
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 MORGAN WAY, EL CAJON, CA 92020-7340
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MORGAN WAY, EL CAJON, CA 92020-7340

Mortgage

Document Number	0000334180
Date	Apr 30, 2021
Instrument	2021-0334180

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 MORGAN WAY, EL CAJON, CA 92020-7340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000363541
Date	Aug 26, 2019
Instrument	2019-0363541

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$341,496 (+2%) Land $164,181 Building $177,315
2025	$4,459.00 (+4.16%) Homeowner's exemption	$334,801 (+4.04%) Land $160,962 Building $173,839
2023	$4,281.00 (-1.36%) Homeowner's exemption	$321,802 Land $154,712 Building $167,090
2022	$4,340.00

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

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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