797 Lemon Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 797 Lemon Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,403 sqft · built 1946
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$805,000 (Jul 2026)
Tax Bill	$9,704 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`492-012-26-00`

Property Details

APN / Parcel Number

Primary APN	`492-012-26-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,403 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	6,000 sqft (0.138 acres)

Location & Zoning

Street Address	797 LEMON AVE
City	EL CAJON
State	CA
Zip	92020-4939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 77 W 100 FT TR 001636
Legal Subdivision	EL CAJON ACRES
Legal Tract	001636
Legal Block	3
Legal Lot Number	77
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	Individual Name on Record
Mailing Address	13864 MARBOK WAY, JAMUL, CA 91935-3018
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Grant Deed, Transfer · Conventional Mortgage ARCHOME LLC
Jan 25, 2024	Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC
Mar 27, 2023	Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 9, 2017	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP
Feb 13, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP
Jun 4, 2020	Intrafamily Transfer, Transfer · VA Mortgage UNITED SECURITY FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Mar 27, 2023 · Amount on Record
Deed Document Number	2026189119
Prior Transfer Date	Apr 3, 2020
Prior Transfer Doc	0000286205
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 1, 2026
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Document Number	0000189119
Instrument Date	Jun 26, 2026
Instrument	2026189119
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,435.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13864 MARBOK WAY, JAMUL, CA 91935-3018

Mortgage

Document Number	0000189120,
Date	Jul 1, 2026
Instrument	2026189120

Lender

Name	ARCHOME LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021119
Date	Jan 25, 2024
Instrument	2024-0021119

Lender

Name	TRUSTED MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2023
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Document Number	0000077710
Map Reference	MAP 1636
Instrument Date	Feb 24, 2023
Instrument	2023-0077710
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	CALIFORNIA 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	Community Property with Right of Survivorship
Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Investor	Possibly a Property Investor

Mortgage

Document Number	0000077711
Date	Mar 27, 2023
Instrument	2023-0077711

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 28, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000524784
Date	Nov 9, 2017
Instrument	2017-0524784

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051764
Date	Feb 13, 2019
Instrument	2019-0051764

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	797 LEMON AVE, EL CAJON, CA 92020-4939

Mortgage

Document Number	0000040211
Date	Jan 19, 2021
Instrument	2021-0040211

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2020
Property Address	797 LEMON AVE, EL CAJON, CA 92020-4939
Document Number	0000286205
Map Reference	MAP 1636
Instrument Date	Apr 3, 2020
Instrument	2020-0286205
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	PACIFIC COAST TITLE COMPANY

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
Address	797 LEMON AVE, EL CAJON, CA 92020-4939

Mortgage

Document Number	0000286206
Date	Jun 4, 2020
Instrument	2020-0286206

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2050

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		$815,005 (+2%) Land $458,238 Building $356,767
2025	$9,704.00 (+74.78%)	$799,025 (+85.19%) Land $449,253 Building $349,772
2023	$5,552.00 (+2.55%) Homeowner's exemption	$431,453 Land $242,585 Building $188,868
2022	$5,414.00

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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 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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