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225 North Ln, El Cajon, CA, 92021

2beds
2baths
1,206sqft
$635,000
$527price/sqft
$4,522/moest. monthly cost
$180,880/yrincome needed

About This Home

Opportunity to buy into equity. Listed $40,000 below appraised value! Charming 2 bedroom, 2 bathroom home in the sought-after Crest community, offering 930 sq ft of living space plus an additional (2) 270 sq ft detached bonus structures — ideal for a home office, studio, or workshops. Located just a 5-minute walk from ocean views, a nature preserve, and a local park, this property offers a rare blend of privacy and accessibility. The home retains its original character while benefiting from recent updates including a new roof (under 5 years old), fresh exterior paint, and new laminate flooring throughout, and over 170% solar system. The generous lot provides ample room (45') for boat, RV, or trailer storage — a standout feature for outdoor enthusiasts and hobbyists alike. A unique opportunity to own in Crest, where inventory is limited and demand remains strong. Don't miss your chance to make this one-of-a-kind property your own. **Unable to show until open house 6/18*** **some images are edited and do not reflect current conditions***

Getting Around

37
WalkingCar-Dependent
0
TransitNo Nearby Transit
23
BikeSomewhat Bikeable

Schools

5/10
Crest Elementary SchoolGrades K-80.2 mi
6/10
Granite Hills High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1955

Type & Style

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

Interior

Appliances

  • Appliances included: 6 Burner Stove,Freezer,Refrigerator,Water Heater
  • Laundry features: Washer Hookup,Gas Dryer Hookup

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 1,206 sqft

Property

Details

  • Parcel number: 5091031300
  • Attached to another structure: Yes
  • Zoning: R-1
  • Special condition: Standard
  • Horse amenities: Riding Trail

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Has view: Yes
  • View description: City Lights

Lot

  • Lot size: 6,969 sqft
  • Features: 0-1 Unit/Acre
  • Lot size dimensions: 74' x 98'

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Uncovered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

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

  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Heat Wave
Inland Flooding
Landslide

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 $3,210$38,520
Home Insurance *$144$1,728
Property Taxes $770$9,240
Electricity $398$4,786
Total$4,522$54,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,040/yr
40% on housing$135,660/yr
45% on housing$120,586/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

$527This listing

vs Other Active Listings

Avg $/sqft

ZIP 92021$302
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92021$525
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
2026-08-14Price change$659,000
2026-07-13Listed for sale$635,000
1998-07-29Sold$126,000

For Sale by Agent

AgentGarrin Fuller
BrokerageSerhant California Inc

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