738 Palomar Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 738 Palomar Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,176 sqft · built 1952
Lot Size	0.142 acres (6,200 sqft)
Owner	Trust Name on File
Tax Bill	$2,539 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`492-442-13-00`

Property Details

APN / Parcel Number

Primary APN	`492-442-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	2,176 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	6,200 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	738 PALOMAR AVE
City	EL CAJON
State	CA
Zip	92020-7344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 42 TR 002732
Legal Subdivision	GROSSMONT VILLAS
Legal Tract	002732
Legal Block	2
Legal Lot Number	42
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2009
Census Tract	15302

Owner

738 Palomar Ave is owner-occupied and held in a trust since June 1996.

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

Owner of Record	Trust Name on File
Mailing Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 29, 2026	Deed of Trust, Mortgage · Line of Credit MISSION FEDERAL CREDIT UNION
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jun 2, 2020	Correction Deed · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 23, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 6, 1996
Transfer Doc	0000343388
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 29, 2026
Property Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344
Document Number	0000217377
Instrument Date	Jul 24, 2026
Instrument	2026217377
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344

Mortgage

Document Number	0000217377,
Date	Jul 29, 2026
Instrument	2026217377

Lender

Name	MISSION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 31, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344

Mortgage

Document Number	0000064221
Date	Feb 11, 2022
Instrument	2022-0064221

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 2, 2020
Property Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344
Document Number	0000281105
Map Reference	MAP 2732
Instrument Date	Jun 2, 2020
Instrument	2020-0281105
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344

Mortgage

Document Number	0000281106
Date	Jun 2, 2020
Instrument	2020-0281106

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	738 PALOMAR AVE, EL CAJON, CA 92020-7344
Document Number	0000306180
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	738 PALOMAR AVE EL CAJON CA 920207344, EL CAJON, CA 92020-7344

Mortgage

Document Number	0000306180
Date	Jul 27, 2018
Instrument	306180

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191-9023

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 738 Palomar Ave was $2,539 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		$170,846 (+2%) Land $32,718 Building $138,128
2025	$2,539.00 Homeowner's exemption	$167,497 Land $32,077 Building $135,420
2023	$2,398.00 (+0.88%) Homeowner's exemption	$160,995 Land $30,833 Building $130,162
2022	$2,377.00

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

Flood

FEMA maps place 738 Palomar Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	3 (1978–1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 738 Palomar Ave 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 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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