7040 Central Ave, Lemon Grove, CA 91945 Property Records

San Diego County property record for 7040 Central Ave, Lemon Grove, CA 91945

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1975
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2019)
Tax Bill	$6,218 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`479-130-20-00`

Property Details

APN / Parcel Number

Primary APN	`479-130-20-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7040 CENTRAL AVE
City	LEMON GROVE
State	CA
Zip	91945-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 24 E 70 FT OF WLY 295 FT OF S 150 FT TR LS0005
Legal Subdivision	RANCHO MISSION
Legal Tract	LS0005
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2011
Census Tract	14400

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	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES CU
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage BLUE BRICK FINANCIAL LLC
Jun 28, 2019	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Aug 31, 2007 · Amount on Record
Deed Document Number	2019257614
Prior Transfer Date	Jul 1, 2016
Prior Transfer Doc	0000345299
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112

Mortgage

Document Number	0000362643
Date	Sep 13, 2022
Instrument	2022-0362643

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 12, 2042

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112

Mortgage

Document Number	0000263602
Date	Sep 23, 2025
Instrument	2025-0263602

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112

Mortgage

Document Number	0000608421
Date	Oct 8, 2020
Instrument	2020-0608421

Lender

Name	BLUE BRICK FINANCIAL LLC
Type	Mortgage Company
Address	MESA, AZ 85215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2019
Property Address	7040 CENTRAL AVE, LEMON GROVE, CA 91945-2112
Document Number	0000257614
Instrument Date	May 3, 2019
Instrument	257614
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7040 CENTRAL AVE LEMON GROVE CA 919452112, LEMON GROVE, CA 91945-2112

Mortgage

Document Number	257615
Date	Jun 28, 2019
Instrument	257615

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 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	Lemon Grove City
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Lemon Grove Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$494,949 (+2%) Land $403,927 Building $91,022
2025	$6,218.00 (+11.37%)	$485,245 (+4.04%) Land $396,007 Building $89,238
2023	$5,583.00 (+0.58%)	$466,405 Land $380,631 Building $85,774
2022	$5,551.00

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 (2014)
Most Recent Claim	Dec 2014 · Severe Storms, Flooding, And Mudslides

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 720 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

May also be available: GeoLinks.

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