685 Garfield Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 685 Garfield Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,454 sqft · built 1972
Lot Size	0.218 acres (9,500 sqft)
Owner	Company Name on Record
Last Sale	$840,000 (Dec 2021)
Tax Bill	$11,085 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`481-150-17-00`

Property Details

APN / Parcel Number

Primary APN	`481-150-17-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,454 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	9,500 sqft (0.218 acres)
View / Lot	Good

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	685 GARFIELD AVE
City	EL CAJON
State	CA
Zip	92020-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 21 BLKS 16 19 & 20 TR 002266
Legal Subdivision	FLETCHER HILLS
Legal Tract	002266
Legal Block	16
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3015
Census Tract	16201

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	Company Name on Record
Mailing Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Feb 23, 2022	Intrafamily Transfer, Transfer
Dec 3, 2021	Grant Deed, Transfer · Conventional Mortgage KNOCK LENDING LLC
Sep 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Aug 15, 2014 · Amount on Record
Deed Document Number	2021824121
Last Transfer Date	Feb 5, 2022
Transfer Doc	0000082812
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015

Mortgage

Document Number	0000675232
Date	Oct 30, 2020
Instrument	2020-0675232

Lender

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

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200260
Date	Apr 20, 2020
Instrument	2020-0200260

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

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

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 23, 2022
Property Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Document Number	0000082812
Map Reference	MAP 2266
Instrument Date	Feb 5, 2022
Instrument	2022-0082812
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 3, 2021
Property Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Document Number	0000824121
Map Reference	MAP 2266
Instrument Date	Nov 23, 2021
Instrument	2021-0824121
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015

Mortgage

Document Number	0000824122
Date	Dec 3, 2021
Instrument	2021-0824122

Lender

Name	KNOCK LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	685 GARFIELD AVE, EL CAJON, CA 92020-2015
Document Number	0000411275
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 GARFIELD AVE EL CAJON CA 920202015, EL CAJON, CA 92020-2015

Mortgage

Document Number	0000411275
Date	Sep 19, 2019
Instrument	411275

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$909,238 (+2%) Land $218,212 Building $691,026
2025	$11,085.00 (+5.14%) Homeowner's exemption	$891,411 (+4.04%) Land $213,934 Building $677,477
2023	$10,543.00 (+2.8%)	$856,799 Land $205,628 Building $651,171
2022	$10,256.00

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	3 in force
Nearby Flood Claims	4 (1980–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2018 · 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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