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638 Patricia Ln, El Cajon, CA, 92020

3beds
2baths
1,062sqft
$799,000
$752price/sqft
$5,465/moest. monthly cost
$218,600/yrincome needed

About This Home

Charming single-story home in El Cajon featuring 3 bedrooms and 2 bathrooms with a desirable split-bedroom floor plan. The spacious primary suite offers comfort and privacy, complemented by two additional spacious bedrooms. Recently remodeled, the primary bathroom showcases a 60-inch walk-in shower, waterproof laminate flooring, updated plumbing fixtures, and real bamboo flooring. The upgraded kitchen features granite countertops, a deep sink, new lower cabinetry, Whirlpool appliances, upgraded tile flooring, and updated plumbing. Energy-efficient improvements include 15 owned solar panels, a newer asphalt shingle “cool roof,” mini-split HVAC system, upgraded electrical panel, dual-pane windows, and new front and rear exterior doors. Additional upgrades include GFCI protection in the kitchen and bathrooms and an RV hookup with a 50-amp breaker. The private backyard is designed for outdoor living and entertaining, offering a covered patio, wood-burning fire pit, approximately 2,000 sq. ft. of turf, and a covered gazebo with its own 50-amp breaker. The property also features new fencing, a 10' x 12' Tuff Shed, a 5' x 3' metal storage unit, and a functional chicken coop. This well-maintained home combines comfort, efficiency, and versatility—perfect for low-maintenance living with room to grow. Some photos have been virtually enhanced to remove personal property and furnishings in order to better showcase the room sizes, layout, and overall potential of the home.

Getting Around

72
WalkingVery Walkable
60
TransitGood Transit
66
BikeBikeable

Schools

3/10
6/10
Eje Middle AcademyGrades 6-80.1 mi
7/10
Grossmont High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1951

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooking,Disposal,Gas Range,Microwave,Refrigerator,Self Cleaning Oven,Water Heater
  • Laundry features: Outside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Ductless,Dual

Features

  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 1,062 sqft

Property

Details

  • Parcel number: 4920410600
  • Zoning: R-1:Single Fam-Res
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main-level entry
  • Pool features: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 7,400 sqft
  • Features: Back Yard,Sloped Down,Gentle Sloping,Lawn,Landscaped,Rectangular Lot,Yard
  • Lot size dimensions: 61 x 124 x 62

Parking

  • Total spaces: 2
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,040$48,480
Home Insurance *$151$1,812
Property Taxes $876$10,512
Electricity $398$4,786
Total$5,465$65,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,371/yr
40% on housing$163,950/yr
45% on housing$145,733/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$752This listing

vs Other Active Listings

Avg $/sqft

ZIP 92020$438
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92020$511
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Price change$799,000
2026-04-03Listed for sale$825,000
2020-06-08Sold$421,000
2020-05-07Pending sale$399,000
2020-05-06Listed for sale$399,000
2020-04-23Pending sale$399,000
2020-04-16Listed for sale$399,000

For Sale by Agent

AgentDaniel Tucker
BrokerageRicardo Ilko, Broker

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