San Diego County property record for 968 Garfield Ave, El Cajon, CA 92020
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,036 sqft · built 1953 |
| Lot Size | 1.81 acres (79,279 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $627,000 (Nov 2015) |
| Tax Bill | $9,953 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 481-110-09-00 |
| Primary APN | 481-110-09-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,036 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 79,279 sqft |
| View / Lot | Good |
| Street Address | 968 GARFIELD AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92020-2022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-9 |
| Legal Description | LOT 22 TR 002493 |
| Legal Subdivision | GARFIELD AVE SUB |
| Legal Tract | 002493 |
| Legal Block | 3 |
| Legal Lot Number | 22 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 16201 |
968 Garfield Ave is owned and occupied by two individuals who bought it in November 2015.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 968 GARFIELD AVE, EL CAJON, CA 92020-2022 |
| 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 |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LENDING GROUP |
| May 31, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2015 · Amount on File |
| Deed Sale | Nov 10, 2015 · Amount on File |
| Deed Document Number | 2015585118 |
| Prior Transfer Date | Apr 19, 1994 |
| Prior Transfer Doc | 0000263791 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 968 GARFIELD AVE, EL CAJON, CA 92020-2022 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Title Company | PROVIDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 968 GARFIELD AVE, EL CAJON, CA 92020-2022 |
| Document Number | 0000106922 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 2021-0106922 |
| Name | PACIFIC BAY LENDING GROUP |
|---|---|
| Type | Lending Institution |
| Address | GARDEN GROVE, CA 92841 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 968 GARFIELD AVE, EL CAJON, CA 92020-2022 |
| Document Number | 0000320431 |
| Instrument Date | May 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 968 GARFIELD AVE EL CAJON CA 920202022, EL CAJON, CA 92020-2022 |
| Document Number | 0000320431 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 320431 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 1, 2059 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 968 Garfield Ave was $9,953 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $757,078 (+2%) Land $232,464 Building $524,614 | |
| 2025 | $9,953.00 Homeowner's exemption | $742,234 Land $227,906 Building $514,328 |
| 2023 | $9,807.00 (-1.16%) Homeowner's exemption | $713,414 Land $219,057 Building $494,357 |
| 2022 | $9,922.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 968 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 risk around 968 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.
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 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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