"The neighbors that walked by said they heard a loud pop and then saw the fire coming from that and the explosion," said homeowner Darrell Wright.
Crews were dispatched to 10808 Red Rock Dr. near Scripps Ranch Boulevard at 11:45 a.m. and had the fire out by 12:10 p.m. It began as a car fire, but quickly spread to the garage and side of the two-story house, Capt. Joe Amador said.
"The cars are in close proximity to the structure so the structure was on fire, it was burning on the outside of the garage door and lapping up into the second floor," said Battalion Chief Dan Froelich.
Fire investigators were dispatched to determine the cause of the fire and estimate the loss.
The homeowner says he was told a recall regarding his Ford Expedition may have been the cause of the electrical fire.
Two cats were treated at the scene then taken to a veterinary hospital.
The American Red Cross responded to help two displaced adults who were home at the time the fire broke out. They were not injured.