979 Gray Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 979 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	0.168 acres (7,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Mar 2022)
Tax Bill	$8,855 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493-232-13-00`

Property Details

APN / Parcel Number

Primary APN	`493-232-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,118 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	7,300 sqft (0.168 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	979 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 13 TR 003028
Legal Subdivision	OCONNOR SUB
Legal Tract	003028
Legal Block	1
Legal Lot Number	13
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 October 21, 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	979 GRAY DR, EL CAJON, CA 92020-7609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 29, 2022	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	May 26, 1989 · Amount on Record
Deed Document Number	2022138760
Prior Transfer Date	Dec 9, 2002
Prior Transfer Doc	0001150425
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 12, 2026
Property Address	979 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000294945
Instrument Date	Oct 5, 2026
Instrument	2026294945
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000294945,
Date	Oct 12, 2026
Instrument	2026294945

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2022
Property Address	979 GRAY DR, EL CAJON, CA 92020-7609
Document Number	0000138760
Map Reference	MAP 3028
Instrument Date	Mar 25, 2022
Instrument	2022-0138760
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

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	Community Property with Right of Survivorship
Address	979 GRAY DR, EL CAJON, CA 92020-7609

Mortgage

Document Number	0000138761
Date	Mar 29, 2022
Instrument	2022-0138761

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$714,399 (+2%) Land $497,915 Building $216,484
2025	$8,855.00 (+12.17%)	$700,392 (+14.07%) Land $488,152 Building $212,240
2023	$7,894.00 (+165.43%)	$614,000 Land $427,000 Building $187,000
2022	$2,974.00

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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