1287 White Oak Ct, El Cajon, CA 92020 Property Records

San Diego County property record for 1287 White Oak Ct, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,292 sqft · built 2016
Lot Size	0.13 acres (5,674 sqft)
Owner	2 Individual Names on File
Last Sale	$760,500 (Jun 2021)
Tax Bill	$10,287 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492-500-45-00`

Property Details

APN / Parcel Number

Primary APN	`492-500-45-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,292 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	5,674 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1287 WHITE OAK CT
City	EL CAJON
State	CA
Zip	92020-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD-LOW
Legal Description	LOT 28 TR 016066
Legal Subdivision	MAGNOLIA TRLS
Legal Tract	016066
Legal Block	3
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	15302

Owner

1287 White Oak Ct is owned and occupied by two individuals who bought it in June 2021.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 11, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	Aug 31, 2016 · Amount on File
Deed Document Number	2021437516
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2021
Property Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776
Document Number	0000437516
Map Reference	MAP 16066
Instrument Date	May 13, 2021
Instrument	2021-0437516
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Joint Tenants
Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776

Mortgage

Document Number	0000437517
Date	Jun 14, 2021
Instrument	2021-0437517

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776

Mortgage

Document Number	0000588795
Date	Sep 30, 2020
Instrument	2020-0588795

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1287 WHITE OAK CT, EL CAJON, CA 92020-1776
Document Number	0000292515
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 WHITE OAK CT EL CAJON CA 920201776, EL CAJON, CA 92020-1776

Mortgage

Document Number	0000292515
Date	Jul 19, 2019
Instrument	292515

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1287 White Oak Ct was $10,287, up 0.4% from the year before.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	El Cajon City
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		$839,649 (+2%) Land $274,701 Building $564,948
2025	$10,287.00 (+0.42%)	$823,186 Land $269,315 Building $553,871
2024	$10,244.00 (-0.02%)
2023	$10,246.00 (+1.93%)	$791,222 Land $258,858 Building $532,364
2022	$10,052.00

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

Flood

FEMA maps place 1287 White Oak Ct in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 1287 White Oak Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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

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