949 Gray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 949 Gray Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 1958
Lot Size	0.17 acres (7,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,631 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493-232-09-00`

Property Details

APN / Parcel Number

Primary APN	`493-232-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,064 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	7,400 sqft (0.17 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	949 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 9 TR 003028
Legal Subdivision	OONNOR SUB
Legal Tract	003028
Legal Block	1
Legal Lot Number	9
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	2 Individual Names on Record
Mailing Address	949 GRAY DR, EL CAJON, CA 92020-7609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Grant Deed, Transfer · Conventional Mortgage CHAMPIONS FUNDING LLC
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2018	Affidavit of Death, Transfer
Nov 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 12, 2018
Transfer Doc	0000490618
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 21, 2023
Property Address	949 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000194515
Map Reference	MAP 3028
Instrument Date	Jul 7, 2023
Instrument	2023-0194515
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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
Relationship	Joint Tenants
Address	949 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000194516
Date	Jul 21, 2023
Instrument	2023-0194516

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	949 GRAY DR, EL CAJON, CA 92020-7609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	949 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000627417
Date	Oct 15, 2020
Instrument	2020-0627417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2050

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2018
Property Address	949 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000490619
Instrument Date	Sep 20, 2018
Instrument	490619
Transaction Type	Transfer
Record Updated	Dec 6, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	949 GRAY DR EL CAJON CA 920207609, EL CAJON, CA 92020-7609

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2018
Property Address	949 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000490618
Instrument Date	Jul 12, 2018
Instrument	490618
Transaction Type	Transfer
Record Updated	Dec 6, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	949 GRAY DR EL CAJON CA 920207609, EL CAJON, CA 92020-7609

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		$749,088 (+2%) Land $624,240 Building $124,848
2025	$9,631.00 (+436.55%)	$734,400 (+870.56%) Land $612,000 Building $122,400
2023	$1,795.00 (-2.39%)	$75,668 Land $22,179 Building $53,489
2022	$1,839.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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