Structural heart disease (SHD) is a primary driver of heart failure and cardiovascular mortality, yet early detection remains constrained by the limited accessibility of echocardiography. While single-lead electrocardiogram (ECG) is ubiquitous through wearables, existing AI screening models often depend on 12-lead inputs, generalize poorly across institutions, or require massive, condition-specific labeled datasets. Recent work has demonstrated the feasibility of contrastive pre-training between single-lead ECGs and echocardiography reports within a single health system. Here, we present AnyECG-Echo, a framework that advance this paradigm toward clinical translation through three key developments: (1) evaluation in a geographically independent external cohort (n = 16,621); (2) diagnostic coverage of 13 fine-grained SHD subtypes spanning myocardial, chamber, valvular, and great-vessel pathologies; and (3) dual-axis mechanistic interpretability combining electrophysiology-grounded Shapley attribution with emergent correlations to quantitative measurements. Across validation cohorts totaling n = 25,222, the model demonstrated high AUROC for high-impact subtypes, including reduced left ventricular systolic function (AUROC 0.866-0.924), global heart enlargement (0.877-0.931), and mitral stenosis (0.836-0.906). Furthermore, we successfully validated the alignment of model outputs with established medical physiological traits, thereby enhancing interpretability. Notably, we discovered that AnyECG-Echo's outputs function as physiologically grounded digital biomarkers that accurately track objective metrics such as LVEF and myocardial wall thickness. These findings prove that wearable single-lead ECGs can effectively detect fine-grained structural heart disease, offering a practical solution for population-scale screening.