976 Lemon Ave, El Cajon, CA 92020 Property Records

San Diego County property record for 976 Lemon Ave, El Cajon, CA 92020 · Last verified August 2026

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 4 ba · 3,373 sqft · built 1946
Lot Size	0.538 acres (23,447 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Jul 1985)
Tax Bill	$6,736 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`492-231-09-00`

Property Details

APN / Parcel Number

Primary APN	`492-231-09-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	3,373 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Multi-Family
Lot Area	23,447 sqft (0.538 acres)

Location & Zoning

Street Address	976 LEMON AVE
City	EL CAJON
State	CA
Zip	92020-7336
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	LOT 4 (EX ST WID)S 80 FT OF TR 002080
Legal Subdivision	ARDELL ACRES
Legal Tract	002080
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	15902

Owner

Source: San Diego County records · APN 492-231-09-00

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	976 LEMON AVE, EL CAJON, CA 92020-7336
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 1985 · Amount on Record
Deed Sale	Jul 01, 1985 · Amount on Record
Deed Document Number	1985235939
Last Transfer Date	Jun 25, 2012
Transfer Doc	0000391541
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	976 LEMON AVE, EL CAJON, CA 92020-7336
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 LEMON AVE 978, 978, EL CAJON, CA 92020-7336

Mortgage

Document Number	0000499047
Date	Jul 12, 2021
Instrument	2021-0499047

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 01, 2031

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$497,620 (+2%) Land $103,623 Building $393,997
2025	$6,736.00 (+3.17%) Homeowner's exemption	$487,864 (+4.04%) Land $101,592 Building $386,272
2023	$6,529.00 (+1.44%) Homeowner's exemption	$468,922 Land $97,648 Building $371,274
2022	$6,436.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730159021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.