654 la Cresta Blvd, El Cajon, CA 92021 Property Records

San Diego County property record for 654 la Cresta Blvd, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,518 sqft · built 1991
Lot Size	3.1 acres (135,036 sqft)
Owner	Trust Name on File
Last Sale	$1,000,000 (Jun 2023)
Tax Bill	$9,677 (2025)
Deeds & Mortgages	Jun 2023 Sale Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`401-130-32-00`

Property Details

APN / Parcel Number

Primary APN	`401-130-32-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,518 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Lot Area	135,036 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 LA CRESTA BLVD
City	EL CAJON
State	CA
Zip	92021-3814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM08018
Legal Subdivision	PARCEL MAP NO 8018
Legal Tract	8018
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4005
Census Tract	15501

Owner

654 la Cresta Blvd is owner-occupied and held in a trust since June 2023.

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

Owner of Record	Trust Name on File
Mailing Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
Jun 23, 2023	Grant Deed, Transfer TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit ZB NA
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Mar 6, 2018	Quit Claim Deed, Transfer TIMIOS TITLE INC
Oct 3, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	May 30, 1996 · Amount on File
Deed Document Number	2023165384
Prior Transfer Date	Mar 4, 2018
Prior Transfer Doc	0000087691
Record Updated	Oct 29, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2023
Property Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Document Number	0000165384
Map Reference	FILE 78-484379
Instrument Date	May 22, 2023
Instrument	2023-0165384
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	TICOR TITLE-SAN DIEGO, TICOR TITLE SAN DIEGO

Transaction

Amount	Amount 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	Family Revocable Trust
Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814

Mortgage

Document Number	0000695048
Date	Oct 5, 2021
Instrument	2021-0695048

Lender

Name	ZB NA
Type	Bank
Address	LA MESA, CA 91942

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814

Mortgage

Document Number	0000819454
Date	Dec 21, 2020
Instrument	2020-0819454

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 6, 2018
Property Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Document Number	0000087691
Instrument Date	Mar 4, 2018
Instrument	87691
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	TIMIOS TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	654 LA CRESTA BLVD EL CAJON CA 920213814, EL CAJON, CA 92021-3814

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2017
Property Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814
Document Number	0000454120
Map Reference	PM8018
Instrument Date	Sep 19, 2017
Instrument	2017-0454120
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TIMIOS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 LA CRESTA BLVD, EL CAJON, CA 92021-3814

Mortgage

Document Number	0000454121
Date	Oct 3, 2017
Instrument	2017-0454121

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 654 la Cresta Blvd was $9,677 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
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		$796,519 (+2%) Land $459,592 Building $336,927
2025	$9,677.00 Homeowner's exemption	$780,902 Land $450,581 Building $330,321
2023	$9,362.00 (+1.69%) Homeowner's exemption	$742,009 (+2%) Land $205,253 Building $536,756
2022	$9,206.00 Homeowner's exemption	$727,461 Land $201,229 Building $526,232

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

Flood

FEMA maps place 654 la Cresta Blvd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force

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

Wildfire risk around 654 la Cresta Blvd is very high, ranking above 93% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 93% of the US · above 78% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile.

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