1173 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1173 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 1960
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Feb 1998)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`388-220-09-00`

Property Details

APN / Parcel Number

Primary APN	`388-220-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,278 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	18,000 sqft (0.413 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1173 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 57 TR 003162
Legal Subdivision	SOMERMONT HILLS
Legal Tract	003162
Legal Block	1
Legal Lot Number	57
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
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	1173 PEPPER DR, EL CAJON, CA 92021-1334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Dec 21, 2017	Quit Claim Deed, Transfer STEWART TITLE
Dec 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 1998 · Amount on Record
Deed Sale	Feb 20, 1998 · Amount on Record
Prior Sale	May 20, 1985 · Amount on Record
Deed Document Number	199889658
Last Transfer Date	Dec 15, 2017
Transfer Doc	0000602835
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1173 PEPPER DR, EL CAJON, CA 92021-1334
Document Number	0000367707
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1173 PEPPER DR EL CAJON CA 920211334, EL CAJON, CA 92021-1334

Mortgage

Document Number	0000367707
Date	Jul 10, 2020
Instrument	367707

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2017
Property Address	1173 PEPPER DR, EL CAJON, CA 92021-1334
Document Number	0000602835
Instrument Date	Dec 15, 2017
Instrument	602835
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1173 PEPPER DR EL CAJON CA 920211334, EL CAJON, CA 92021-1334

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2017
Property Address	1173 PEPPER DR, EL CAJON, CA 92021-1334
Document Number	0000601915
Map Reference	MAP3162
Instrument Date	Dec 15, 2017
Instrument	2017-0601915
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1173 PEPPER DR, EL CAJON, CA 92021-1334

Mortgage

Document Number	0000601916
Date	Dec 21, 2017
Instrument	2017-0601916

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$235,805 (+2%) Land $86,228 Building $149,577
2025	$2,774.00 (+2.32%) Homeowner's exemption	$231,183 (+4.04%) Land $84,538 Building $146,645
2023	$2,711.00 (+1.76%) Homeowner's exemption	$222,207 Land $81,256 Building $140,951
2022	$2,664.00

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 Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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