963 Garfield Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 963 Garfield Ave, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1977
Lot Size	0.154 acres (6,700 sqft)
Owner	Company Name on File
Last Sale	$168,000 (Apr 1998)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	Jun 2020 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`481-110-49-00`

Property Details

APN / Parcel Number

Primary APN	`481-110-49-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	6,700 sqft (0.154 acres)

Location & Zoning

Street Address	963 GARFIELD AVE
City	EL CAJON
State	CA
Zip	92020-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 6 PAR 2 OF DOC174765REC71 IN TR 003313
Legal Subdivision	MILLBURY TERRACE
Legal Tract	003313
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3004
Census Tract	16201

Owner

963 Garfield Ave is owned by a company that acquired it in June 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	963 GARFIELD AVE, EL CAJON, CA 92020-2021
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jun 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN HOME LOAN FUNDING CORP
Jun 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 1998 · Amount on File
Deed Sale	Apr 24, 1998 · Amount on File
Deed Document Number	1998234970
Last Transfer Date	Jun 9, 2020
Transfer Doc	0000311839
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2020
Property Address	963 GARFIELD AVE, EL CAJON, CA 92020-2021
Document Number	0000311839
Instrument Date	Jun 9, 2020
Instrument	311839
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	963 GARFIELD AVE EL CAJON CA 920202021, EL CAJON, CA 92020-2021

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2020
Property Address	963 GARFIELD AVE, EL CAJON, CA 92020-2021
Document Number	0000311837
Map Reference	MAP 3313
Instrument Date	Jun 9, 2020
Instrument	2020-0311837
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS 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	963 GARFIELD AVE, EL CAJON, CA 92020-2021

Mortgage

Document Number	0000311838
Date	Jun 16, 2020
Instrument	2020-0311838

Lender

Name	MORGAN HOME LOAN FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 9, 2017
Property Address	963 GARFIELD AVE, EL CAJON, CA 92020-2021
Document Number	0000260477
Instrument Date	Jun 8, 2017
Instrument	260477
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	963 GARFIELD AVE EL CAJON CA 920202021, EL CAJON, CA 92020-2021

Tax Assessment & Valuation

The 2025 property tax bill for 963 Garfield Ave was $3,771 with a homeowner's exemption.

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$280,911 (+2%) Land $118,065 Building $162,846
2025	$3,771.00 Homeowner's exemption	$275,403 Land $115,750 Building $159,653
2023	$3,614.00 (+1.4%) Homeowner's exemption	$264,710 Land $111,256 Building $153,454
2022	$3,564.00

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

Flood

FEMA maps place 963 Garfield Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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	3 in force
Nearby Flood Claims	4 (1980–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2018 · rainfall accumulation

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

Wildfire risk around 963 Garfield Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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