522 Mary Lane, El Cajon, California 92021, El Cajon, 92021 - 4 bed, 3 bath
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El Cajon, California 92021
This Modern Turnkey Residence is a High-Potential Investment Opportunity, listed at $890,000—positioned well below the $926,866 Fair Market Value by 3%. This valuation gap offers $36,866 in Instant Equity. Boasting an Excellent Condition Rating, this 2017 build includes Paid Solar, an EV charging station, and a Quartz Kitchen. The rare assumable VA loan provides a massive financing hedge with a below-market interest rate. It is an ideal acquisition for Owner-Occupants or lifestyle-focused buyers seeking modern efficiency.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 522 Mary Lane Subject | $890,000* List Price | 4 | 3 | 1,836 | $495 | - |
A 992 Ednabelle Ct Sold | $739,000 | 4 | 2 | 1,562 | $473 | 0.1 mi |
B 1125 Evilo Street Sold | $825,000 | 3 | 2 | 1,681 | $491 | 0.2 mi |
C 1152 Farview Ct Active | $795,000 List Price | 4 | 2 | 1,806 | $440 | 0.8 mi |
* Subject property listed price vs sold prices of comps.
Property is new construction or fully renovated.
Built in 2017, this property is less than 10 years old and meets the criteria for excellent condition. The home features a modern open-concept kitchen with quartz countertops and stainless steel appliances, along with contemporary flooring including vinyl and tile. It is equipped with high-value, energy-efficient systems such as paid solar, a tankless water heater, and an EV charging station, indicating a high standard of maintenance and modern quality with no deferred maintenance.
The property features significant green upgrades including paid-off solar panels, a whole-house fan, a tankless water heater, and an EV charging station, offering substantial long-term utility savings.
The home offers a rare assumable VA loan with a below-market interest rate, providing a massive financial incentive and lower monthly payments for qualified buyers in a high-rate environment.
Built in 2017, this newer home provides a modern open-concept floor plan and a versatile upstairs loft, ensuring lower maintenance costs compared to older inventory in the area.
Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 4, other record bedroom count = 5.
The property has a small lot size, more than 70 percent of which is taken by its living area. lot size in square feet = 2477, living area = 1836.
The assigned public schools for this address currently hold low performance ratings (2 and 3 out of 10), which may deter families prioritizing high-ranking educational districts.
Back on the Market at no fault of Seller! Built in 2017, this newer 4-bedroom, 2.5-bathroom home offers a spacious and versatile floor plan designed for comfortable modern living. The open-concept kitchen is the centerpiece of the home, featuring quartz countertops, stainless steel appliances, and generous cabinet space—ideal for everyday living and entertaining. Upstairs, a large loft provides flexible space that can easily function as a home office, media room, or play area. The bedrooms are carpeted for added comfort, while tile flooring is featured in the kitchen, bathrooms, and laundry room. Durable vinyl flooring runs through the main living areas, offering both style and practicality. Energy-efficient upgrades include PAID SOLAR, a whole-house fan, a tankless water heater, and an electric vehicle (EV) charging station conveniently located in the garage. The home also offers a rare assumable VA loan with a below-market interest rate, providing a valuable financing opportunity for qualified buyers. Situated on a quiet cul-de-sac, the property is conveniently located near shopping, parks, schools, and public transportation, with easy access to downtown El Cajon and many of San Diego’s popular destinations.
No exterior & parking available.
Grades K-5 • 0.2 mi
Grades 6-8 • 0.5 mi
Grades 9-12 • 0.1 mi
No sensitive facilities data found.
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 4.0 | 3.0 | 60% |
| Baths | 3.0 | 2.0 | 60% |
| Square foot | 1,836 | 1,597.5 | 65% |
| Lot Size | - | 10,280.2 | 10% |
| Price | $890.0K | $820.0K | 67% |
| Price per sq ft | $485 | $517 | 39% |
| Built year | 2017 | 1976 | 92% |
| HOA | $146.0 | $0 | 92% |
| Days on market | 39 | 167 | 3% |
Mar 14, 2026
$890,000
Initial Listing
Jan 22, 2024
$850,000
Public Record
Sep 22, 2021
$690,000
Public Record
Sep 6, 2017
$523,000
Public Record