522 Mary Lane, El Cajon, CA 92021

• 4 beds |
• 3 baths |
• 1,836 sqft

Property Description

Welcome to this beautifully maintained newer 4-bedroom home offering a spacious and highly functional layout designed for modern living. The main living area flows into a well-appointed kitchen featuring quartz countertops, stainless steel appliances, and abundant cabinetry offering both style and practicality for everyday use and entertaining. Upstairs, there's a generous loft that provides valuable flex space that is perfect for a home office, media room, or additional living area, adding versatility to the home’s thoughtful design. The home features a comfortable and durable mix of finishes, including tile flooring in the kitchen, bathrooms, and laundry room, carpeting in the bedrooms, and vinyl flooring in the main living areas. Energy-efficient upgrades include paid-off solar, a whole-house fan, a tankless water heater, and an EV charging station in the garage, delivering meaningful long-term savings and modern convenience. A standout feature is the assumable VA loan with a below-market interest rate, offering a rare opportunity for VA-qualified buyers to secure significantly lower monthly payments. Located on a quiet cul-de-sac near shopping, parks, schools, and transportation, with easy access to downtown El Cajon and surrounding San Diego destinations.

Listing Status:

Active

Date Added:

July 5, 2026

Data Last Updated:

July 6, 2026 at 4:16AM

Listing Office:

First Choice Funding & Realty : 925-525-9436

Listing Agent:

Adepeju Sanni : 619-636-9670

MLS ID:

260016282SD

Interior

• Appliances: Built-In RangeDishwasherGas CooktopGas OvenIndoor GrillMicrowaveRefrigeratorRange HoodVented Exhaust Fan
• Laundry: Electric Dryer HookupLaundry Room
• A/C: Central Air
• Heating: ElectricForced AirNatural Gas

Exterior

• Pool: None
• Parking: DrivewayParking spaces: 4

Construction

• Roofing: Composition
• General: Stucco2

Location

• HOA Amenities: Maintenance Grounds146.0Monthly
• Originating MLS: CRMLS_SAND
• County: San Diego

Lot

• Zoning: 4890107200
• Fencing: Partial

Utilities

• Water: Public

Financial

• Source: CRMLS_SAND