965 Sharon Way, El Cajon, CA 92020 Property Records

San Diego County property record for 965 Sharon Way, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 1954
Lot Size	0.25 acres (10,900 sqft)
Owner	Company Name on File
Last Sale	$760,000 (Jun 2018)
Tax Bill	$8,755 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`481-140-42-00`

Property Details

APN / Parcel Number

Primary APN	`481-140-42-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,894 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	10,900 sqft (0.25 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	965 SHARON WAY
City	EL CAJON
State	CA
Zip	92020-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	BLK 23 LOT 10 PAR PER ROS 12341 IN TR 002122
Legal Subdivision	FLETCHER HILLS
Legal Tract	002122
Legal Block	23
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3013
Census Tract	16201

Owner

965 Sharon Way is owned by a company that bought it in June 2018 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	965 SHARON WAY, EL CAJON, CA 92020-1748
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 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage ONETRUST HM LOANS
Jun 22, 2018	Grant Deed, Transfer · Conventional Mortgage ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on File
Deed Sale	Jun 22, 2018 · Amount on File
Prior Sale	Jul 2, 2003 · Amount on File
Deed Document Number	2018255116
Prior Transfer Date	Aug 21, 1997
Prior Transfer Doc	0000413978
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	965 SHARON WAY, EL CAJON, CA 92020-1748
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000295991
Date	Jun 10, 2020
Instrument	2020-0295991

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	965 SHARON WAY, EL CAJON, CA 92020-1748
Document Number	0000257857
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	965 SHARON WAY EL CAJON CA 920201748, EL CAJON, CA 92020-1748

Mortgage

Document Number	0000257857
Date	Jun 28, 2019
Instrument	257857

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2018
Property Address	965 SHARON WAY, EL CAJON, CA 92020-1748
Document Number	0000255116
Instrument Date	May 14, 2018
Instrument	255116
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	CHICAGO TITLE COMPANY-SD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$836.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	965 SHARON WAY EL CAJON CA 920201748, EL CAJON, CA 92020-1748

Mortgage

Document Number	255117
Date	Jun 22, 2018
Instrument	255117

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 965 Sharon Way was $8,755 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		$593,336 (+2%) Land $218,230 Building $375,106
2025	$8,755.00 Homeowner's exemption	$581,702 Land $213,951 Building $367,751
2023	$7,663.00 (-2.31%) Homeowner's exemption	$559,116 Land $205,644 Building $353,472
2022	$7,844.00

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

Flood

FEMA maps place 965 Sharon Way 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 965 Sharon Way 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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