971 Gray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 971 Gray Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,118 sqft · built 1958
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,500 (Apr 2021)
Tax Bill	$6,983 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493-232-12-00`

Property Details

APN / Parcel Number

Primary APN	`493-232-12-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 74 ft wide
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	971 GRAY DR
City	EL CAJON
State	CA
Zip	92020-7609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 12 TR 003028
Legal Subdivision	OCONNOR SUB
Legal Tract	003028
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	15407

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	2 Individual Names on Record
Mailing Address	971 GRAY DR, EL CAJON, CA 92020-7609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage MK LENDING CORP
Apr 23, 2021	Grant Deed, Transfer · Conventional Mortgage GROVES CAPITAL INC
Mar 30, 2017	Grant Deed, Transfer · FHA Mortgage AMERICAN PREFERRED LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	2021314499
Prior Transfer Date	Apr 16, 2021
Prior Transfer Doc	0000314499
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 31, 2025
Property Address	971 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000368777
Map Reference	MAP 3028
Instrument Date	Dec 26, 2025
Instrument	2025-0368777
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	LAWYERS TITLE COMPANY/CA, 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
Relationship	Joint Tenants
Address	971 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000368778
Date	Dec 31, 2025
Instrument	2025-0368778

Lender

Name	MK LENDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2021
Property Address	971 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000314499
Map Reference	MAP 3028
Instrument Date	Apr 16, 2021
Instrument	2021-0314499
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	COMMONWEALTH LAND TITLE COMPANY/PUG, COMMONWEALTH LAND TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000314500
Date	Apr 23, 2021
Instrument	2021-0314500

Lender

Name	GROVES CAPITAL INC
Type	Non-Lending Institution

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2017
Property Address	971 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000145824
Map Reference	MAP3028
Instrument Date	Feb 2, 2017
Instrument	2017-0145824
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE SD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	971 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000145825
Date	Mar 30, 2017
Instrument	2017-0145825

Lender

Name	AMERICAN PREFERRED LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$541,172 (+2%) Land $398,383 Building $142,789
2025	$6,983.00 (+2.29%)	$530,562 (+4.04%) Land $390,572 Building $139,990
2023	$6,827.00 (+0.16%)	$509,961 Land $375,406 Building $134,555
2022	$6,816.00

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 Policies	1 in force

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Wyyerd Connect.

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