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995 Cosmo Ave, El Cajon, CA 92019 Property Records

San Diego County property record for 995 Cosmo Ave, El Cajon, CA 92019

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,376 sqft · built 1964
Lot Size0.154 acres (6,700 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (Jun 2005)
Tax Bill$8,019 (2025)
Deeds & MortgagesJan 2021 Mortgage
Apr 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN514-170-38-00

Property Details

APN / Parcel Number

Primary APN514-170-38-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,376 sqft Living Area

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1964
Lot Area6,700 sqft (0.154 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address995 COSMO AVE
CityEL CAJON
StateCA
Zip92019-3434
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-6
Legal DescriptionLOT 38 TR 005136
Legal SubdivisionGARDEN VILLAGE
Legal Tract005136
Legal Block1
Legal Lot Number38
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1015
Census Tract15405

Owner

995 Cosmo Ave is owned by two individuals who bought it in June 2005.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1827 BEARCAT LN, EL CAJON, CA 92019-4238
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
COLONIAL NATIONAL MORTGAGE
Apr 26, 2018Deed of Trust, Mortgage · Conventional Mortgage
PRIME LNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 27, 2005 · Amount on File
Deed SaleJun 27, 2005 · Amount on File
Deed Document Number2005540054
Prior Transfer DateMay 5, 2004
Prior Transfer Doc0000614937
Record UpdatedOct 29, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address995 COSMO AVE, EL CAJON, CA 92019-3434
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyTICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

NameVerified Name
Address1827 BEARCAT LN, EL CAJON, CA 92019-4238

Mortgage

Document Number0000040926
DateJan 20, 2021
Instrument2021-0040926
Lender
NameCOLONIAL NATIONAL MORTGAGE
TypeMortgage Company
AddressFORT WORTH, TX 76102
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address995 COSMO AVE, EL CAJON, CA 92019-3434
Document Number0000169002
Instrument DateApr 26, 2018
Transaction TypeMortgage
Record UpdatedMay 3, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1827 BEARCAT LN EL CAJON CA 920194238, EL CAJON, CA 92019-4238

Mortgage

Document Number0000169002
DateApr 27, 2018
Instrument169002
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 995 Cosmo Ave was $8,019.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEl Cajon City
Elementary School DistrictCajon Valley Union Elementary School District (KG - 08)
Secondary School DistrictGrossmont Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$589,992 (+2%) Land $270,116 Building $319,876
2025$8,019.00$578,424 Land $264,820 Building $313,604
2023$7,885.00 (+2.2%)$555,965 Land $254,538 Building $301,427
2022$7,715.00

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

Flood

FEMA maps place 995 Cosmo Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (2001–2023)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 2023 · Tropical Storm Hilary

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 995 Cosmo Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 81% of California
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemHELIX WATER DISTRICT
serves 277,918 people · EPA ID CA3710010
Water SourceSurface water
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 489 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Wyyerd Connect
Fiber		8,000 / 8,000
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL		100 / 20

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