657 N Pierce St, El Cajon, CA 92020 Property Records

San Diego County property record for 657 N Pierce St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,014 sqft · built 1952
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Feb 2023)
Tax Bill	$8,598 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage May 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`482-233-08-00`

Property Details

APN / Parcel Number

Primary APN	`482-233-08-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	5,500 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	657 N PIERCE ST
City	EL CAJON
State	CA
Zip	92020-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 176 TR 002843
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002843
Legal Block	1
Legal Lot Number	176
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1066
Census Tract	16202

Owner

657 N Pierce St is owned and occupied by two individuals who bought it in February 2023.

Source: San Diego County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 17, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2022	Deed, Transfer SPRUCE TITLE
Nov 8, 2021	Intrafamily Transfer, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jul 23, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Oct 29, 2019	Quit Claim Deed, Transfer WESTERN RESOURCES TITLE
Oct 29, 2019	Grant Deed, Transfer · FHA Mortgage AMCAP MORTGAGE LTD
Dec 6, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	May 16, 2022 · Amount on File
Deed Document Number	202342121
Prior Transfer Date	Aug 18, 2021
Prior Transfer Doc	0000773624
Record Updated	Oct 29, 2026

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2023
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000042121
Map Reference	MAP 2843
Instrument Date	Feb 13, 2023
Instrument	2023-0042121
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount on Record
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
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	657 N PIERCE ST, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000042122
Date	Feb 17, 2023
Instrument	2023-0042122

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 16, 2022
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000209287
Map Reference	MAP 2843
Instrument Date	May 13, 2022
Instrument	2022-0209287
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	SPRUCE TITLE

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
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2021
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000773624
Map Reference	MAP 2843
Instrument Date	Aug 18, 2021
Instrument	2021-0773624
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 N PIERCE ST, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000773625
Date	Nov 8, 2021
Instrument	2021-0773625

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000430765
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	657 N PIERCE ST EL CAJON CA 920203045, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000430765
Date	Aug 4, 2020
Instrument	430765

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2019
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000491993
Instrument Date	Oct 28, 2019
Instrument	491993
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	WESTERN RESOURCES TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	657 N PIERCE ST EL CAJON CA 920203045, EL CAJON, CA 92020-3045

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2019
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000491994
Map Reference	MAP 2843
Instrument Date	Sep 26, 2019
Instrument	2019-0491994
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE

Transaction

Amount	Amount on Record
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
Address	657 N PIERCE ST, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000491995
Date	Oct 29, 2019
Instrument	2019-0491995

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	657 N PIERCE ST, EL CAJON, CA 92020-3045
Document Number	0000592169
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 N PIERCE ST EL CAJON CA 920203045, EL CAJON, CA 92020-3045

Mortgage

Document Number	0000592169
Date	Dec 19, 2017
Instrument	592169

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	492 Months
Due	Dec 18, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 657 N Pierce St was $8,598.

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		$689,784 (+2%) Land $477,543 Building $212,241
2025	$8,598.00	$676,260 Land $468,180 Building $208,080
2023	$8,637.00 (+48.4%)	$695,741 Land $398,935 Building $296,806
2022	$5,820.00

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

Flood

FEMA maps place 657 N Pierce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (1979–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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

The area around 657 N Pierce St has no burnable land within ember reach, so its wildfire risk is not rated.

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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