647 Claydelle Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 647 Claydelle Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	10 bd · 7.5 ba · 2,344 sqft · built 1935
Lot Size	0.259 acres (11,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Mar 2018)
Tax Bill	$15,643 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`488-340-06-00`

Property Details

APN / Parcel Number

Primary APN	`488-340-06-00`

Interior

Bedrooms	10 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,344 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Stucco
Roof Material	Tar & Gravel
Lot Area	11,300 sqft (0.259 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	647 CLAYDELLE AVE
City	EL CAJON
State	CA
Zip	92020-6004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 6 TR 002486
Legal Subdivision	HAMILTON & WILLIAMS RESUB
Legal Tract	002486
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3004
Census Tract	15802

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	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 14, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 21, 2018	Grant Deed, Transfer · Conventional Mortgage JMJ FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2018 · Amount on Record
Deed Sale	Mar 21, 2018 · Amount on Record
Prior Sale	Dec 19, 2014 · Amount on Record
Deed Document Number	2018111599
Prior Transfer Date	Dec 15, 2014
Prior Transfer Doc	0000561358
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004

Mortgage

Document Number	0000384368
Date	Sep 30, 2022
Instrument	2022-0384368

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004
Document Number	0000206082
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	647 CLAYDELLE AVE EL CAJON CA 920206004, EL CAJON, CA 92020-6004

Mortgage

Document Number	0000206082
Date	Apr 23, 2020
Instrument	206082

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Apr 22, 2035

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 21, 2018
Property Address	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004
Document Number	0000111599
Map Reference	MAP 2486
Instrument Date	Mar 16, 2018
Instrument	2018-0111599
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	647 CLAYDELLE AVE, EL CAJON, CA 92020-6004

Mortgage

Document Number	0000111600
Date	Mar 21, 2018
Instrument	2018-0111600

Lender

Name	JMJ FINANCIAL GROUP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$1,197,313 (+2%) Land $189,584 Building $1,007,729
2025	$15,643.00 (+68.77%) Homeowner's exemption	$1,173,837 (+64.41%) Land $185,867 Building $987,970
2023	$9,269.00 (+0.8%) Homeowner's exemption	$713,973 Land $178,650 Building $535,323
2022	$9,195.00

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

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	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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