San Diego County property record for 954 Cosmo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,716 sqft · built 1964 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Jan 2024) |
| Tax Bill | $9,595 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-170-05-00 |
| Primary APN | 514-170-05-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,716 sqft Living Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 954 COSMO AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-3432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 5 TR 005136 |
| Legal Subdivision | GARDEN VILLAGE |
| Legal Tract | 005136 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 15405 |
954 Cosmo Ave is owned and occupied by two individuals who bought it in January 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| 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.
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DIRECT HOME LENDING |
| Jan 12, 2024 | Grant Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Jan 22, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2024 · Amount on File |
| Deed Sale | Jan 12, 2024 · Amount on File |
| Deed Document Number | 202410325 |
| Prior Transfer Date | Jan 12, 2018 |
| Prior Transfer Doc | 0000024740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 12, 2026 |
| Property Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| Document Number | 0000135282 |
| Instrument Date | May 7, 2026 |
| Instrument | 2026135282 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| Document Number | 0000135282, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026135282 |
| Name | DIRECT HOME LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 12, 2024 |
| Property Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| Document Number | 0000010325 |
| Map Reference | MAP 5136 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 2024-0010325 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| Document Number | 0000010326 |
|---|---|
| Date | Jan 12, 2024 |
| Instrument | 2024-0010326 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 22, 2018 |
| Property Address | 954 COSMO AVE, EL CAJON, CA 92019-3432 |
| Document Number | 0000024740 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 24740 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 954 COSMO AVE EL CAJON CA 920193432, EL CAJON, CA 92019-3432 |
The 2025 property tax bill for 954 Cosmo Ave was $9,595 with a homeowner's exemption, up 388% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $780,298 (+2%) Land $164,821 Building $615,477 | |
| 2025 | $9,595.00 (+388.05%) Homeowner's exemption | $764,999 Land $161,590 Building $603,409 |
| 2024 | $1,966.00 (+13.18%) | |
| 2023 | $1,737.00 (-2.2%) Homeowner's exemption | $100,765 Land $21,285 Building $79,480 |
| 2022 | $1,776.00 |
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.
FEMA maps place 954 Cosmo Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.
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 | 2 (2001–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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 risk around 954 Cosmo Ave is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wyyerd Connect Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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