657 el Monte Rd, El Cajon, CA 92020 Property Records

San Diego County property record for 657 el Monte Rd, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft · built 1952
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,075 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`482-232-05-00`

Property Details

APN / Parcel Number

Primary APN	`482-232-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	896 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	657 EL MONTE RD
City	EL CAJON
State	CA
Zip	92020-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 220 TR 002843
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002843
Legal Block	1
Legal Lot Number	220
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1015
Census Tract	16100

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	350 BLUE CAPE LN, 262, SAN DIEGO, CA 92154-8867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage WESTERN EXPRESS LNDG
Sep 25, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 4, 2025
Transfer Doc	0000038486
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 EL MONTE RD, EL CAJON, CA 92020-3027
Transaction Type	Mortgage
Record Updated	Nov 1, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 EL MONTE RD, EL CAJON, CA 92020-3027

Mortgage

Document Number	0000732934
Date	Oct 21, 2021
Instrument	2021-0732934

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 EL MONTE RD, EL CAJON, CA 92020-3027
Document Number	0000374968
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 EL MONTE RD EL CAJON CA 920203027, EL CAJON, CA 92020-3027

Mortgage

Document Number	0000374968
Date	Jul 14, 2020
Instrument	374968

Lender

Name	WESTERN EXPRESS LNDG
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 EL MONTE RD, EL CAJON, CA 92020-3027
Document Number	0000447542
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 EL MONTE RD EL CAJON CA 920203027, EL CAJON, CA 92020-3027

Mortgage

Document Number	0000447542
Date	Oct 8, 2019
Instrument	447542

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 7, 2046

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		$56,955 (+2%) Land $21,880 Building $35,075
2025	$1,075.00 (-2.01%) Homeowner's exemption	$55,839 (+4.04%) Land $21,451 Building $34,388
2023	$1,097.00 (+7.02%) Homeowner's exemption	$53,672 Land $20,619 Building $33,053
2022	$1,025.00

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 · 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 Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2017 · rainfall accumulation

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile.

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