774 Laguna Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 774 Laguna Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,748 sqft · built 1951
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on File
Last Sale	$758,000 (Oct 2022)
Tax Bill	$9,895 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492-441-03-00`

Property Details

APN / Parcel Number

Primary APN	`492-441-03-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	6,200 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Water Source	Commercial

Location & Zoning

Street Address	774 LAGUNA AVE
City	EL CAJON
State	CA
Zip	92020-7334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 3 TR 002732
Legal Subdivision	GROSSMONT VILLAS
Legal Tract	002732
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	15302

Owner

774 Laguna Ave is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	774 LAGUNA AVE, EL CAJON, CA 92020-7334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 26, 2022	Grant Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC
Sep 24, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Sep 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL COAST LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Apr 13, 2009 · Amount on File
Deed Document Number	2022412545
Transfer Doc	0000017305
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 26, 2022
Property Address	774 LAGUNA AVE, EL CAJON, CA 92020-7334
Document Number	0000412545
Map Reference	MAP 2732
Instrument Date	Sep 23, 2022
Instrument	2022-0412545
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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	774 LAGUNA AVE, EL CAJON, CA 92020-7334

Mortgage

Document Number	0000412546
Date	Oct 26, 2022
Instrument	2022-0412546

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 24, 2020
Property Address	774 LAGUNA AVE, EL CAJON, CA 92020-7334
Document Number	0000564729
Instrument Date	Sep 11, 2020
Instrument	564729
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	774 LAGUNA AVE EL CAJON CA 920207334, EL CAJON, CA 92020-7334

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 24, 2020
Property Address	774 LAGUNA AVE, EL CAJON, CA 92020-7334
Document Number	0000564727
Map Reference	MAP 2732
Instrument Date	Sep 11, 2020
Instrument	2020-0564727
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	774 LAGUNA AVE, EL CAJON, CA 92020-7334

Mortgage

Document Number	0000564728
Date	Sep 24, 2020
Instrument	2020-0564728

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 774 Laguna Ave was $9,895.

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		$804,392 (+2%) Land $462,298 Building $342,094
2025	$9,895.00	$788,621 Land $453,234 Building $335,387
2023	$9,634.00 (+117.67%)	$758,000 Land $435,636 Building $322,364
2022	$4,426.00

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

Flood

FEMA maps place 774 Laguna 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 774 Laguna 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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