14430 Rios Canyon Rd , El Cajon, CA 92021
$1,075,000
Est. Payment: $5,863.80/mo
3 Bed
2 Bath
1800 Sqft
1.02 Acres
Status: Active | Days on site: 5
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House Description

Welcome to 14430 Rios Canyon Rd, an exceptional El Cajon property offering privacy, space, extensive upgrades, and incredible versatility. Nestled in a highly desirable setting with limited neighboring properties, this home provides the feeling of a peaceful retreat while still offering convenient access to freeways, shopping, dining, recreation, and everyday amenities. It would be easier to list what has not been done than everything that has—this is truly a thoughtfully redesigned home and is not a flip. Relocate the W/D to make a true 3rd bedroom. The owner personally invested considerable time and attention into the renovation, carefully updating the property with quality, functionality, and detail in mind, and is now selling due to unforeseen circumstances. The home features a spacious and well-designed floor plan with multiple bedrooms and bathrooms, making it ideal for comfortable family living or entertaining guests. The interior is bright and inviting, with abundant natural light, fresh paint, new LED lighting throughout, Level 5 drywall finish, new hard-surface flooring throughout, a wood-burning fireplace, new windows, a completely remodeled kitchen, updated bathrooms, and new appliances. Major system improvements include a new roof, new furnace, tankless water heater, approximately 90% new plumbing, approximately 60% new electrical including the electrical panel, and a whole-home soft-water treatment system. The property also features solar; the solar system is subject to an existing loan, and buyer is to verify all solar terms, balances, and obligations. One of the property's most impressive features is the approximately 1,200-square-foot detached, fully finished and insulated garage/shop, complete with 12-foot ceilings and two dedicated power sources for AC mini-splits. Whether used as a workshop, oversized garage, hobby space, studio, home gym, or ultimate man cave, this versatile structure offers tremendous potential and could potentially be converted to additional living space, subject to buyer investigation and applicable permits. The property also includes a pool and sits on approximately 1-acre lot and the fenced extra space is a flat 1/2 acre. The fenced land, providing a rare blank canvas with ample room for outdoor entertaining, recreation, gardening, additional amenities, or other uses. With its generous usable land and setting, there may also be potential room for horses or other equestrian uses, subject to zoning, county requirements, and buyer verification. Beautiful surrounding hills and valley views add to the property's appeal.

Highlights

Listed by Michael Chious , 619-726-1004 Urban Pacific San Diego Realty , 619-255-2020. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
1.02

Year Built

1956

County

San Diego

Area

92021 - El Cajon

Neighborhood

El Cajon

Listing ID

260022098SD

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Gas Water Heater, Refrigerator
Air Cond:Central Air
Fireplaces:Living Room,Wood Burning
Floor:Wood
Other:
  • ▪ Additional:Bedroom on Main Level
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:11
Zoning:R-1:SINGLE
Roof:See Remarks
Others:
  • ▪ Additional:Stucco
Parking Features:Concrete
Principal Interest
$5,864
Taxes
$685

Home Price

$1,075,000

Loan Details

30 yrs
7.245%

Down Payment

20%
$215,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,863.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,863.80 $685.31 $0.00 $6,549.11
Yearly $70,365.60 $8,223.75 $0.00 $78,589.35
Total $2,110,967.90 $246,712.50 $0.00 $2,357,680.40

Today's Rates

30 Year

7.25%

20 Year

7.27%

15 Year

6.6%

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Market insight data is pulled from the same city as the listing being viewed (El Cajon, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-04T23:12:49.000Z

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