965 Lemon Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 965 Lemon Ave, El Cajon, CA 92020

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 2,275 sqft · built 1940
Lot Size	0.27 acres (11,765 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Sep 2011)
Tax Bill	$4,752 (2025)
Deeds & Mortgages	May 2023 Transfer May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492-232-12-00`

Property Details

APN / Parcel Number

Primary APN	`492-232-12-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Building Area	2,275 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Multi-Family
Lot Area	11,765 sqft (0.27 acres)

Location & Zoning

Street Address	965 LEMON AVE
City	EL CAJON
State	CA
Zip	92020-7335
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RM-4300
Legal Description	LOT 14 /EXC S 40 FT/ W 1/2 TR 002080
Legal Subdivision	ARDELL ACRES
Legal Tract	002080
Legal Block	3
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3006
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	Company Name on Record
Mailing Address	12068 CALLE NARANJA, EL CAJON, CA 92019-4814
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Intrafamily Transfer, Transfer
May 30, 2023	Intrafamily Transfer, Transfer
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2011 · Amount on Record
Deed Sale	Sep 20, 2011 · Amount on Record
Prior Sale	Oct 29, 2004 · Amount on Record
Deed Document Number	2011485176
Last Transfer Date	May 13, 2023
Transfer Doc	0000139786
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 30, 2023
Property Address	965 LEMON AVE, EL CAJON, CA 92020-7335
Document Number	0000139786
Map Reference	MAP 2080
Instrument Date	May 13, 2023
Instrument	2023-0139786
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Community Property
Address	12068 CALLE NARANJA, EL CAJON, CA 92019-4814

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 30, 2023
Property Address	965 LEMON AVE, EL CAJON, CA 92020-7335
Document Number	0000139787
Map Reference	MAP 2080
Instrument Date	May 13, 2023
Instrument	2023-0139787
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	12068 CALLE NARANJA, EL CAJON, CA 92019-4814

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	965 LEMON AVE, EL CAJON, CA 92020-7335
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12068 CALLE NARANJA, EL CAJON, CA 92019-4814

Mortgage

Document Number	0000348106
Date	May 5, 2021
Instrument	2021-0348106

Lender

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

Agreement

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

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		$734,497 (+120.68%) Land $147,328 Building $587,169
2025	$4,752.00 (-1.08%)	$332,841 (+4.04%) Land $144,440 Building $188,401
2023	$4,804.00 (+1.22%)	$319,918 Land $138,832 Building $181,086
2022	$4,746.00

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

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

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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