915 Gray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 915 Gray Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1947
Lot Size	0.17 acres (7,400 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Jun 2021)
Tax Bill	$7,442 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-232-04-00`

Property Details

APN / Parcel Number

Primary APN	`493-232-04-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	768 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	7,400 sqft (0.17 acres)

Location & Zoning

Street Address	915 GRAY DR
City	EL CAJON
State	CA
Zip	92020-7609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 4 TR 003028
Legal Subdivision	OCONNOR SUB
Legal Tract	003028
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	15407

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	915 GRAY DR, EL CAJON, CA 92020-7609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2020	Loan Modification, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING
Apr 28, 2017	Grant Deed, Transfer · VA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	2021418032
Prior Transfer Date	Sep 8, 2000
Prior Transfer Doc	0000572248
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2021
Property Address	915 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000418032
Map Reference	MAP 3028
Instrument Date	May 19, 2021
Instrument	2021-0418032
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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
Address	915 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000418033
Date	Jun 4, 2021
Instrument	2021-0418033

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	915 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000087526
Instrument Date	Feb 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	915 GRAY DR EL CAJON CA 920207609, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000087526
Date	Feb 21, 2020
Instrument	87526

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 28, 2017
Property Address	915 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000192616
Instrument Date	Mar 8, 2017
Instrument	192616
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
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	915 GRAY DR EL CAJON CA 920207609, EL CAJON, CA 92020-7609

Mortgage

Document Number	192617
Date	Apr 28, 2017
Instrument	192617

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

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		$618,281 (+2%) Land $540,997 Building $77,284
2025	$7,442.00 (+2.23%) Homeowner's exemption	$606,159 (+4.04%) Land $530,390 Building $75,769
2023	$7,280.00 (+1.21%) Homeowner's exemption	$582,624 Land $509,796 Building $72,828
2022	$7,193.00

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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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