649 Raymond St, El Cajon, CA 92020 Property Records

San Diego County property record for 649 Raymond St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,528 sqft · built 1959
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$138,000 (Mar 1996)
Tax Bill	$3,862 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-202-07-00`

Property Details

APN / Parcel Number

Primary APN	`493-202-07-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	649 RAYMOND ST
City	EL CAJON
State	CA
Zip	92020-6435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 33 TR 003752
Legal Subdivision	ALLENWOOD
Legal Tract	003752
Legal Block	1
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1003
Census Tract	15301

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	649 RAYMOND ST, EL CAJON, CA 92020-6435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Oct 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 1996 · Amount on Record
Deed Sale	Mar 4, 1996 · Amount on Record
Prior Sale	Dec 9, 1992 · Amount on Record
Deed Document Number	1996105698
Last Transfer Date	Dec 2, 2003
Transfer Doc	0001486161
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 RAYMOND ST, EL CAJON, CA 92020-6435
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RAYMOND ST, EL CAJON, CA 92020-6435

Mortgage

Document Number	0000672000
Date	Sep 23, 2021
Instrument	2021-0672000

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 RAYMOND ST, EL CAJON, CA 92020-6435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000487878
Date	Oct 19, 2017
Instrument	2017-0487878

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	649 RAYMOND ST, EL CAJON, CA 92020-6435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000376808
Date	Jul 14, 2020
Instrument	2020-0376808

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$279,306 (+2%) Land $110,126 Building $169,180
2025	$3,862.00 (+0.73%) Homeowner's exemption	$273,830 (+4.04%) Land $107,967 Building $165,863
2023	$3,834.00 (+2.51%) Homeowner's exemption	$263,198 Land $103,775 Building $159,423
2022	$3,740.00

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

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

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