1011 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1011 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 1950
Lot Size	0.286 acres (12,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (May 2020)
Tax Bill	$7,796 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`388-203-13-00`

Property Details

APN / Parcel Number

Primary APN	`388-203-13-00`
Alternative APN	`3882010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,691 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,456 sqft (0.286 acres)
Garage Type	Open
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	3882010100
Street Address	1011 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 1/ NWLY PAR AS PER ROS 3396 IN TR 000661
Legal Subdivision	SOMERMONT PLACE
Legal Tract	000661
Legal Block	4
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4002
Census Tract	16502

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit BANNER BANK
May 29, 2020	Grant Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Mar 2, 2017	Grant Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Mar 2, 2017 · Amount on Record
Deed Document Number	2020273967
Prior Transfer Date	Jul 6, 1998
Prior Transfer Doc	0000567082
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 PEPPER DR, EL CAJON, CA 92021-1206

Mortgage

Document Number	0000229714
Date	May 31, 2022
Instrument	2022-0229714

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 PEPPER DR, EL CAJON, CA 92021-1206

Mortgage

Document Number	0000111178
Date	Feb 11, 2021
Instrument	2021-0111178

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000258070
Date	Jun 8, 2017
Instrument	2017-0258070

Lender

Name	BANNER BANK
Type	Bank
Address	SAN DIEGO, CA 92130

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 29, 2020
Property Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Document Number	0000273967
Map Reference	MAP 661
Instrument Date	Apr 14, 2020
Instrument	2020-0273967
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1011 PEPPER DR, EL CAJON, CA 92021-1206

Mortgage

Document Number	0000273968
Date	May 29, 2020
Instrument	2020-0273968

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 2, 2017
Property Address	1011 PEPPER DR, EL CAJON, CA 92021-1206
Document Number	0000099495
Instrument Date	Feb 6, 2017
Instrument	99495
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$366.30
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 60028 SAN DIEGO CA 921668028, SAN DIEGO, CA 92166-8028

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	Santee School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$669,305 (+2%) Land $278,876 Building $390,429
2025	$7,796.00 (+4.34%)	$656,182 (+4.04%) Land $273,408 Building $382,774
2023	$7,472.00 (+0.69%)	$630,704 Land $262,793 Building $367,911
2022	$7,421.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2016 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 684 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Wyyerd Connect.

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