646 S Sunshine Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 646 S Sunshine Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,012 sqft · built 1980
Lot Size	0.223 acres (9,727 sqft)
Owner	Individual Name on File
Last Sale	$421,000 (Dec 2017)
Tax Bill	$6,347 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`487-560-05-00`

Property Details

APN / Parcel Number

Primary APN	`487-560-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,012 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	9,727 sqft (0.223 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	646 S SUNSHINE AVE
City	EL CAJON
State	CA
Zip	92020-5127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	BLK 3 S 50 FT OF N 300 FT PER ROS MAP 1207 TR 000593
Legal Subdivision	EL CAJON HEIGHTS
Legal Tract	000593
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2009
Census Tract	15802

Owner

646 S Sunshine Ave is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE LOAN STORE INC
Jan 9, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2017	Grant Deed, Transfer · Conventional Mortgage CMG FINANCIAL
Aug 10, 2017	Grant Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2017 · Amount on File
Deed Sale	Dec 5, 2017 · Amount on File
Prior Sale	Aug 10, 2017 · Amount on File
Deed Document Number	2017566195
Prior Transfer Date	Jul 18, 2011
Prior Transfer Doc	0000370816
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127

Mortgage

Document Number	0000064532
Date	Mar 9, 2026
Instrument	2026-0064532

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 9, 2018
Property Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127
Document Number	0000009514
Instrument Date	Jan 2, 2018
Instrument	9514
Transaction Type	Transfer
Record Updated	Jan 12, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S SUNSHINE AVE EL CAJON CA 920205127, EL CAJON, CA 92020-5127

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2017
Property Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127
Document Number	0000566195
Map Reference	MAP750
Instrument Date	Nov 16, 2017
Instrument	2017-0566195
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127

Mortgage

Document Number	0000566196
Date	Dec 5, 2017
Instrument	2017-0566196

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2017
Property Address	646 S SUNSHINE AVE, EL CAJON, CA 92020-5127
Document Number	0000364011
Map Reference	MAP750
Instrument Date	Aug 7, 2017
Instrument	2017-0364011
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TITLE 365

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5663 BALBOA AVE # 495, 495, SAN DIEGO, CA 92111-2705
Investor	Possibly a Property Investor

Mortgage

Document Number	0000364012
Date	Aug 10, 2017
Instrument	2017-0364012

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 646 S Sunshine Ave was $6,347.

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		$488,597 (+2%) Land $253,929 Building $234,668
2025	$6,347.00	$479,017 Land $248,950 Building $230,067
2023	$6,157.00 (+4.8%)	$460,418 Land $239,284 Building $221,134
2022	$5,875.00

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

Flood

FEMA maps place 646 S Sunshine Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	2 (1980)
Most Recent Claim	Feb 1980 · tidal / storm surge

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

The area around 646 S Sunshine 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.

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

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: GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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