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386-90 Richardson Ave, El Cajon, CA, 92020

6beds
5baths
2,293sqft
$1,274,500
$556price/sqft
$8,653/moest. monthly cost
$346,120/yrincome needed

About This Home

Variance Granted Detached. Rare dual living opportunity in San Diego! This vacant property features two spacious, completely detached homes on one lot: Front home is a single-story 3BR/2BA. Rear home is a spacious two story 3BR/2.5 BA. Perfect for an owner occupant wanting to live in one and rent out the other to cover the mortgage, for multi-generational families needing independent space with ultimate privacy. No shared walls! Both are delivered 100% vacant --move right in! Incredible setup with completely separate gas, electric and SOLAR for each home! Total room count reflects both homes combined. This exceptional property features two beautifully maintained homes, each offering privacy, comfort, and modern upgrades. The SINGLE-STORY home boasts a spacious living room with a vaulted ceiling and was tastefully remodeled approximately eight years ago. The TWO-STORY home has been recently remodeled and features two walk-in closets, a large, covered patio, and a generously sized private backyard. Both homes are light and bright, featuring gas appliances, dual-pane windows, and attached 2-car garages with new garage doors and openers. Newer roofs (approximately 8 years old) and INDIVIDUAL SOLAR SYSTEMS help reduce electricity costs. Each home enjoys its own separately fenced backyard, while the entire property is fully enclosed with an electronic driveway gate, providing added privacy and security. The front yard showcases attractive low-water, low-maintenance landscaping. Ideally located within walking distance to schools, shopping, downtown El Cajon, and the transit center, this property also offers easy access to Interstate 8 and the greater San Diego area. Best of all, you're just approximately 15 minutes from the beach!

Getting Around

72
WalkingVery Walkable
65
TransitGood Transit
66
BikeBikeable

Schools

7/10
4/10
7/10
Grossmont High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Composition
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven
  • Laundry features: Electric,Gas,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 2,293
  • Total interior livable area: 2,293 sqft

Property

Details

  • Parcel number: 4873111200
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 2 Story
  • Pool features: N/K
  • Patio & porch: Covered
  • Fencing: Full

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 8
  • Parking features: Direct Garage Access,Garage - Front Entry,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $6,444$77,328
Home Insurance *$242$2,904
Property Taxes $1,476$17,712
Electricity $491$5,900
Total$8,653$103,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$296,674/yr
40% on housing$259,590/yr
45% on housing$230,746/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

$556This listing

vs Other Active Listings

Avg $/sqft

ZIP 92020$436
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$1,274,500
2026-07-21Listed for sale$1,274,500
1998-08-13Sold$223,000

For Sale by Agent

AgentEdward L Barker Jr
BrokerageAllison James Estates & Homes

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