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

San Diego County property record for 676 N Pierce St, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,168 sqft · built 1952
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (May 2017)
Tax Bill	$6,695 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`482-232-22-00`

Property Details

APN / Parcel Number

Primary APN	`482-232-22-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Block
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	676 N PIERCE ST
City	EL CAJON
State	CA
Zip	92020-3046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 203 TR 002843
Legal Subdivision	SUNNYSLOPE HEIGHTS
Legal Tract	002843
Legal Block	1
Legal Lot Number	203
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1015
Census Tract	16100

Owner

676 N Pierce St is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	676 N PIERCE ST, EL CAJON, CA 92020-3046
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE INSURAN
Aug 4, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 7, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
May 23, 2017	Grant Deed, Transfer · VA Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Prior Sale	Jun 11, 2014 · Amount on File
Deed Document Number	2017232071
Prior Transfer Date	Sep 11, 2010
Prior Transfer Doc	0000492442
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2026
Property Address	676 N PIERCE ST, EL CAJON, CA 92020-3046
Document Number	0000192191
Instrument Date	Jun 27, 2026
Instrument	2026192191
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 N PIERCE ST, EL CAJON, CA 92020-3046

Mortgage

Document Number	0000192191,
Date	Jul 6, 2026
Instrument	2026192191

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.53%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 N PIERCE ST, EL CAJON, CA 92020-3046
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428316
Date	Aug 4, 2020
Instrument	2020-0428316

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 N PIERCE ST, EL CAJON, CA 92020-3046
Document Number	0000368996
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 N PIERCE ST EL CAJON CA 920203046, EL CAJON, CA 92020-3046

Mortgage

Document Number	0000368996
Date	Aug 15, 2017
Instrument	368996

Lender

Name	LOW VA RATES LLC
Address	384 S 400 W # 100, LINDON, UT 84042-1957

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 23, 2017
Property Address	676 N PIERCE ST, EL CAJON, CA 92020-3046
Document Number	0000232071
Map Reference	MAP2843
Instrument Date	Apr 24, 2017
Instrument	2017-0232071
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO

Transaction

Amount	Amount 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	676 N PIERCE ST, EL CAJON, CA 92020-3046

Mortgage

Document Number	0000232072
Date	May 23, 2017
Instrument	2017-0232072

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 676 N Pierce St was $6,695 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
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		$509,025 (+2%) Land $236,756 Building $272,269
2025	$6,695.00 Homeowner's exemption	$499,045 Land $232,114 Building $266,931
2023	$6,440.00 (+4.53%) Homeowner's exemption	$479,668 Land $223,101 Building $256,567
2022	$6,161.00

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

Flood

FEMA maps place 676 N Pierce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

The area around 676 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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