520 S Anza Street, El Cajon, California 92020, El Cajon, 92020 - 2 bed, 2 bath
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520 S Anza Street
El Cajon, California 92020
ACTIVE
CONDITION: FAIR
2Beds
2Baths
900Sq Ft
80,586Lot Size
Property Price
LIST PRICE$369,500
EST. MARKET VALUE
$387,500
4% BelowMARKET VALUE
SUMMARY
This 2-bedroom townhome represents a Strong Value Opportunity, listed at $387,500—positioned well below the $415,912 Fair Market Value by 6%. This valuation gap offers $28,412 in Instant Equity for the buyer. While the property holds a Fair Condition Rating due to minor interior repairs, it features modern stainless steel appliances and a private patio. This asset is an ideal entry point for Buy-and-Hold Investors or first-time buyers seeking a manageable, well-located property in El Cajon.
Estimated Market Value
$387,500+$18,000 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in El Cajon.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 520 S Anza Street Subject 2 bd · 2 ba · 900 sqft · $431 | $369,500* List Price | 2 | 2 | 900 | $431 | - |
A 477 S Lincoln Ave Sold 2 bd · 2 ba · 928 sqft · $458 · 0.2 mi | $425,000 | 2 | 2 | 928 | $458 | 0.2 mi |
B 390 E Madison Ave D Active 2 bd · 2 ba · 1,034 sqft · $406 · 0.9 mi | $420,000 List Price | 2 | 2 | 1,034 | $406 | 0.9 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1979, this property is over 40 years old and falls into the 'Fair' category. While it features some updates like stainless steel appliances and tile flooring, the kitchen cabinetry is dated, and there is visible ceiling damage in the bedroom and unfinished ceiling/venting work in the kitchen that requires repair.
PROSSTRENGTHS & OPPORTUNITIES
- Modern Interior Features
The unit is well-equipped with stainless steel appliances, a wine refrigerator, central air conditioning, and in-unit laundry, providing significant modern convenience.
- Private End-Unit Layout
As a light and bright end unit within a gated community, the property offers enhanced privacy and a private patio with low-maintenance turf for outdoor living.
- Strong Investment Value
Priced competitively at $387,500—notably below its 2022 sale price of $440,000—this property represents an excellent entry point for first-time buyers or investors.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =80586, other record lot size in square feet = 80696.
- Compact Square Footage
With only 900 square feet of living space, the interior layout may feel restrictive for buyers seeking more spacious accommodations or larger room sizes.
- Lower School Ratings
The assigned middle and high schools carry lower performance ratings (3/10), which could be a drawback for families prioritizing educational district quality.
About 520 S Anza Street
Well-maintained 2-bedroom, 1.5-bath townhome located in a quiet El Cajon gated community. This light and bright end unit features tile flooring throughout the downstairs and carpet upstairs, central heating and air conditioning, and in-unit laundry room with washer and dryer. The spacious living area flows into the dining space and kitchen, which is equipped with stainless steel appliances, including a refrigerator, range/oven and wine refrigerator. Both bedrooms are located upstairs with a shared full bathroom, while a convenient half bath is located on the main level. Enjoy outdoor living in the private, gated patio with low-maintenance turf, ideal for relaxing or entertaining. Assigned parking included. HOA covers water, trash, and common area maintenance. Conveniently located near shopping, dining, and freeway access an excellent opportunity for first-time buyers or investors.
Property Details
Public Facts
- Property Type
- Townhouse
- Year Built
- 1979
- Lot Size
- 80,586 Sq. Ft.
Interior
- Total Bedrooms
- 2
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $320.0 / Month
Neighborhood Insights
El Cajon Unified Schools
Anza Elementary School
Grades K-5 • 0.3 mi
5/10
Emerald Middle School
Grades 6-8 • 1.4 mi
3/10
El Cajon Valley High School
Grades 9-12 • 0.7 mi
3/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 2.0 | 2.3 |
| Baths | 2.0 | 2.4 |
| Square foot | 900 | 1,258.889 |
| Lot Size | 80,586 | 69,923.623 |
| Price | $369.5K | $563.8K |
| Price per sq ft | $411 | $441 |
| Built year | 1979 | 2002 |
| HOA | $320.0 | $392 |
| Days on market | 23 | 61 |
Pricing History
Listed for Sale
Oct 10, 2026
$369,500
$387,500
-5% Price Drop
Initial Listing
Price Change
Oct 2, 2026
$387,500
Initial Listing
Sold
Oct 3, 2022
$440,000
Public Record
Sold
Apr 22, 2014
$170,000
Public Record
Sold
Feb 27, 2014
$138,000
Public Record
Sold
Jan 8, 2009
$98,000
Public Record