646 Smoketree Dr, El Centro, CA 92243 Property Records

Imperial County property record for 646 Smoketree Dr, El Centro, CA 92243

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1958
Lot Size	0.145 acres (6,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (May 2001)
Tax Bill	$2,073 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-572-014-000`

Property Details

APN / Parcel Number

Primary APN	`053-572-014-000`
Alternative APNs	`0535721401` `05357214`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Block
Construction Type	Wood
Lot Area	6,312 sqft (0.145 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	646 SMOKETREE DR
City	EL CENTRO
State	CA
Zip	92243-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLK 6 DESERT GARDENS SUB NO 7 FM 1 39
Legal Subdivision	DESERT GARDENS SUB NO 7
Legal Block	6
Legal Lot Number	14
Jurisdiction	IMPERIAL CA
Township / Civil Division	EL CENTRO
Census Block Group	3
Census Block	3011
Census Tract	11700

Owner

Source: Imperial County records, as of August 18, 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 SMOKETREE DR, EL CENTRO, CA 92243-4444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ADVANTAGEFIRST LENDING INC
Mar 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUN COMMUNITY FCU
Mar 10, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUN COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2001 · Amount on Record
Deed Sale	May 1, 2001 · Amount on Record
Prior Sale	Jun 1, 1998 · Amount on Record
Deed Document Number	20019145
Deed Book / Page	2057 / 1336
Prior Transfer Date	Oct 28, 1997
Prior Transfer Doc	0000024551
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IMPERIAL CA
Recording Date	Mar 5, 2026
Property Address	646 SMOKETREE DR, EL CENTRO, CA 92243-4444
Document Number	0000003209
Map Reference	MB 1 PG 39
Instrument Date	Feb 20, 2026
Instrument	2026003209
Transaction Type	Transfer
Record Updated	May 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	646 SMOKETREE DR, EL CENTRO, CA 92243-4444

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	646 SMOKETREE DR, EL CENTRO, CA 92243-4444

Mortgage

Document Number	0000003210
Date	Mar 5, 2026
Instrument	2026003210

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2041

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	646 SMOKETREE DR, EL CENTRO, CA 92243-4444
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005471
Date	Mar 10, 2017
Instrument	2017005471

Lender

Name	SUN COMMUNITY FCU
Type	Credit Union
Address	EL CENTRO, CA 92244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IMPERIAL CA
Property Address	646 SMOKETREE DR, EL CENTRO, CA 92243-4444
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005472
Date	Mar 10, 2017
Instrument	2017005472

Lender

Name	SUN COMMUNITY FCU
Type	Credit Union
Address	EL CENTRO, CA 92244

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

Source: Imperial County assessment roll, as of August 18, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$181,112 (+2%) Land $39,949 Building $141,163
2025	$2,073.00 (+23.39%)	$177,562 (+22.61%) Land $39,166 Building $138,396
2024	$1,680.00 (-2.04%)
2023	$1,715.00 (+6.99%)	$144,814 Land $37,647 Building $107,167
2022	$1,603.00

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

Flood

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.

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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks.

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