1291 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1291 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,866 sqft · built 1970
Lot Size	0.25 acres (10,900 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Jan 1995)
Tax Bill	$4,340 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`388-271-02-00`

Property Details

APN / Parcel Number

Primary APN	`388-271-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,866 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	10,900 sqft (0.25 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1291 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 18 TR 002821
Legal Subdivision	SOMERMONT HILLS
Legal Tract	002821
Legal Block	1
Legal Lot Number	18
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	16502

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1291 PEPPER DR, EL CAJON, CA 92021-1336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 1995 · Amount on Record
Deed Sale	Jan 24, 1995 · Amount on Record
Deed Document Number	199531362
Last Transfer Date	Oct 14, 1998
Transfer Doc	0000709873
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1291 PEPPER DR, EL CAJON, CA 92021-1336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046823
Date	Feb 6, 2018
Instrument	2018-0046823

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1291 PEPPER DR, EL CAJON, CA 92021-1336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000458679
Date	Oct 11, 2019
Instrument	2019-0458679

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1291 PEPPER DR, EL CAJON, CA 92021-1336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1291 PEPPER DR, EL CAJON, CA 92021-1336

Mortgage

Document Number	0000651514
Date	Oct 23, 2020
Instrument	2020-0651514

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$314,060 (+2%) Land $117,559 Building $196,501
2025	$4,340.00 (+4.86%) Homeowner's exemption	$307,903 (+4.04%) Land $115,254 Building $192,649
2023	$4,139.00 (+2.25%) Homeowner's exemption	$295,949 Land $110,780 Building $185,169
2022	$4,048.00

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	Not rated no burnable land within 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 629 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
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Wyyerd Connect.

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