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1045 S Magnolia, El Cajon, CA 92020

$850K4bd · 3ba · 2,112 sqft
Lot 0 sqft•Single Family Residence•
Active
•54d on market•MLS# 8N-2607902

Property Description

**ASSUMABLE 2.75% FHA LOAN** Welcome to 1045 S. Magnolia Ave., a spacious and energy-efficient 4-bedroom, 2.5-bath home offering 2,112 square feet of comfortable living space in El Cajon. Thoughtfully maintained and updated, this move-in-ready home combines generous living areas, energy-saving features, and a backyard with plenty of potential. Designed with efficiency in mind, the home features an owned 17-panel solar system installed in 2017 and backed by a 25-year warranty, helping reduce energy costs for years to come. Additional upgrades include three solar-powered attic ventilators, LED lighting throughout, Tex-Cote CoolWall exterior coating for added insulation and durability, and a Moen Flo Smart Water Monitor that allows you to monitor water usage, detect potential leaks, and control the system remotely. Outside, the property offers low-maintenance front landscaping along with irrigation in both the front and backyard. Recent improvements include rain gutters installed and a French drain. The spacious backyard is ready for the next owner’s vision, with room to create an outdoor entertaining area, and ADU, garden, play space, or potentially add a pool. It’s a great opportunity to customize the property and create an outdoor space that fits your lifestyle. Conveniently located in El Cajon near shopping, dining, schools, parks, and major commuter routes, 1045 S. Magnolia Ave. offers a great combination of space, efficiency, functionality, and future potential. If you’re searching for a 4-bedroom home in El Cajon with owned solar, over 2,100 square feet of living space, and a large backyard, this property deserves a closer look.

Features & Amenities

FeeBuilt 1951

Property Details

Land Type
Fee
Year Built
1951
Property Type
Residential
Property Subtype
Single Family Residence
Parking Spaces
5
Garage Spaces
1
Cooling
Central Air
View
City Lights, Hills
City
El Cajon
Zip Code
92020
County
San Diego
Listed byCentury 21 Affiliated, Kevin Justice

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$4,298.06
Principal & Interest
Loan Amount
$679,999
Total Interest
$867,301
Total Payment Over 30 Years
$1,547,300
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Residential Tier · 5 active · 5 closed

1045 S Magnolia, El Cajon, CA 92020

El Cajon · Single Family Residence

$850K
Residential Tier
Beds
4
Baths
3
Sqft
2,112
Lot
10,018 sqft
Year
1951
$/Sqft
$402
Pool: No✓
Spa: No✓
View: city✓
Garage: 1-car✓

Listed in line with the median closed sale of $875,000. Price per sqft ($402) is a 10% discount to closed comps ($448). Closed comps sold at 100% of list — strong seller's market.

Price Position

Aligned with the market — fair pricing for the comps.

At market
Subject listed at $850K· $402/sqft
Total list price
Closed comps
vs closed median $875K
−$25K (−2.9%)
Active comps
vs active median $929K
−$79K (−8.5%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $493
−$91 (−18.5%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
1276 Avocado AvenueEl Cajon1956421,9056,200$446$850,00013284
307 Aldwych RoadEl Cajon1953332,05211,325$487$999,999483
1036 Erin DriveEl Cajon1987432,1455,489$559$1.20M15083
293 Garden Grove LaneEl Cajon1960421,78010,000$506$899,9991080
1682 Granite Hills DriveEl Cajon1972421,9909,147$467$929,0004778
Total: 5 · Average3.82.41,974.48,432.2$493$975,789.668.6
Median1,990$929,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
933 Eastside RdEl Cajon196609/18/2026332,03612,700$850,000$875,000$4301.032187
1573 Villa Crest DriveEl Cajon195807/02/2026431,96510,300$845,000$875,000$4451.042883
1617 Mauzy WayEl Cajon202409/21/2026421,85711,429$949,900$940,000$5060.996583
1328 Arlington PlEl Cajon195707/17/2026431,89411,300$920,000$910,000$4800.992182
226 Lento LaneEl Cajon196006/26/2026422,0769,779$810,000$790,000$3810.974282
Total: 5 · Average3.82.61,965.611,101.6$878,000$878,000$448.4—35.4
Median1,965$875,000$875,000

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.