725 Lemon Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 725 Lemon Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1952
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Oct 2020)
Tax Bill	$4,891 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`492-012-02-00`

Property Details

APN / Parcel Number

Primary APN	`492-012-02-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	912 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	5,100 sqft (0.117 acres)

Location & Zoning

Street Address	725 LEMON AVE
City	EL CAJON
State	CA
Zip	92020-4924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 72 S 85 FT OF N 185.35 FT TR 001636
Legal Subdivision	EL CAJON ACRES
Legal Tract	001636
Legal Block	3
Legal Lot Number	72
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3001
Census Tract	15902

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	725 LEMON AVE, EL CAJON, CA 92020-4924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit NORTH ISLAND FINANCIAL CU
Oct 9, 2020	Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 15, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Mar 25, 2019	Quit Claim Deed, Transfer · Line of Credit CALIFORNIA CU
Dec 22, 2018	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Prior Sale	Mar 14, 2014 · Amount on Record
Deed Document Number	2020614262
Prior Transfer Date	Mar 20, 2019
Prior Transfer Doc	0000103954
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 LEMON AVE, EL CAJON, CA 92020-4924

Mortgage

Document Number	0000801838
Date	Nov 22, 2021
Instrument	2021-0801838

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072395
Date	Feb 14, 2017
Instrument	2017-0072395

Lender

Name	NORTH ISLAND FINANCIAL CU
Type	Credit Union
Address	SAN DIEGO, CA 92186

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 9, 2020
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Document Number	0000614262
Map Reference	MAP 1636
Instrument Date	Sep 16, 2020
Instrument	2020-0614262
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	725 LEMON AVE, EL CAJON, CA 92020-4924

Mortgage

Document Number	0000614263
Date	Oct 9, 2020
Instrument	2020-0614263

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Document Number	0000043693
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	UNISOURCE TITLE-IRVINE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	725 LEMON AVE EL CAJON CA 920204924, EL CAJON, CA 92020-4924

Mortgage

Document Number	0000043693
Date	Jan 28, 2020
Instrument	43693

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 25, 2019
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Document Number	0000103954
Instrument Date	Mar 20, 2019
Instrument	103954
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	CALIFORNIA MEMBERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	725 LEMON AVE EL CAJON CA 920204924, EL CAJON, CA 92020-4924

Mortgage

Document Number	103955
Date	Mar 25, 2019
Instrument	103955

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Document Number	0000025885
Instrument Date	Dec 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 4, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	725 LEMON AVE EL CAJON CA 920204924, EL CAJON, CA 92020-4924

Mortgage

Document Number	0000025885
Date	Jan 24, 2019
Instrument	25885

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	725 LEMON AVE, EL CAJON, CA 92020-4924
Document Number	0000088320
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	725 LEMON AVE EL CAJON CA 920204924, EL CAJON, CA 92020-4924

Mortgage

Document Number	0000088320
Date	Mar 7, 2018
Instrument	88320

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 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
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		$557,558 (+2%) Land $441,631 Building $115,927
2025	$4,891.00 (-1.19%)	$546,626 (+4.04%) Land $432,972 Building $113,654
2023	$4,950.00 (-26.83%)	$525,402 Land $416,160 Building $109,242
2022	$6,765.00

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, T-Mobile, Verizon, Wyyerd Connect.

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