701 Garfield Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 701 Garfield Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1949
Lot Size	0.305 acres (13,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Oct 2018)
Tax Bill	$7,332 (2025)
Deeds & Mortgages	Jan 2022 Second Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`481-150-15-00`

Property Details

APN / Parcel Number

Primary APN	`481-150-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,264 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	13,300 sqft (0.305 acres)

Location & Zoning

Street Address	701 GARFIELD AVE
City	EL CAJON
State	CA
Zip	92020-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 19 BLKS 16 19 & 20 TR 002266
Legal Subdivision	FLETCHER HILLS
Legal Tract	002266
Legal Block	16
Legal Lot Number	19
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	2 Individual Names on Record
Mailing Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
May 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Oct 29, 2018	Grant Deed, Transfer · Conventional Mortgage V I P INDEPENDENT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Dec 18, 2012 · Amount on Record
Deed Document Number	2018452304
Prior Transfer Date	Oct 6, 1997
Prior Transfer Doc	0000523719
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017

Mortgage

Document Number	0000011747
Date	Jan 10, 2022
Instrument	2022-0011747

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AVENUE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194939
Date	May 22, 2019
Instrument	2019-0194939

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017

Mortgage

Document Number	0000043815
Date	Jan 21, 2021
Instrument	2021-0043815

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2018
Property Address	701 GARFIELD AVE, EL CAJON, CA 92020-2017
Document Number	0000452304
Map Reference	MAP 2266
Instrument Date	Oct 8, 2018
Instrument	2018-0452304
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL 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	701 GARFIELD AVE, EL CAJON, CA 92020-2017

Mortgage

Document Number	0000452305
Date	Oct 29, 2018
Instrument	2018-0452305

Lender

Name	V I P INDEPENDENT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$563,220 (+2%) Land $364,103 Building $199,117
2025	$7,332.00 (+6.51%) Homeowner's exemption	$552,177 (+4.04%) Land $356,964 Building $195,213
2023	$6,884.00 (+1.49%) Homeowner's exemption	$530,737 Land $343,103 Building $187,634
2022	$6,783.00

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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