San Diego County property record for 13414 Esperar Dr, El Cajon, CA 92021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1987 |
| Lot Size | 0.159 acres (6,915 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $550,000 (Dec 2019) |
| Tax Bill | $7,780 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 400-500-05-00 |
| Primary APN | 400-500-05-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,196 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 6,915 sqft (0.159 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 13414 ESPERAR DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92021-2098 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 5 TR 009805 |
| Legal Subdivision | EL CAJON 3744 |
| Legal Tract | 009805 |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 16809 |
13414 Esperar Dr is owned by a company that acquired it in October 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 13414 ESPERAR DR, EL CAJON, CA 92021-2098 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 25, 2020 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Dec 3, 2019 | Grant Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2019 · Amount on File |
| Deed Sale | Dec 3, 2019 · Amount on File |
| Prior Sale | Oct 6, 2009 · Amount on File |
| Deed Document Number | 2019561873 |
| Last Transfer Date | Oct 23, 2024 |
| Transfer Doc | 0000312615 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 13414 ESPERAR DR, EL CAJON, CA 92021-2098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 13414 ESPERAR DR, EL CAJON, CA 92021-2098 |
| Document Number | 0000749699 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 2020-0749699 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 3, 2019 |
| Property Address | 13414 ESPERAR DR, EL CAJON, CA 92021-2098 |
| Document Number | 0000561873 |
| Map Reference | MAP 9805 |
| Instrument Date | Nov 8, 2019 |
| Instrument | 2019-0561873 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13414 ESPERAR DR, EL CAJON, CA 92021-2098 |
| Document Number | 0000561874 |
|---|---|
| Date | Dec 3, 2019 |
| Instrument | 2019-0561874 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 13414 Esperar Dr was $7,780.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $613,530 (+2%) Land $301,187 Building $312,343 | |
| 2025 | $7,780.00 Homeowner's exemption | $601,501 Land $295,282 Building $306,219 |
| 2023 | $7,512.00 (+1.94%) Homeowner's exemption | $578,146 Land $283,817 Building $294,329 |
| 2022 | $7,369.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 13414 Esperar Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 14 (1980–2026) |
| Claims Outside the SFHA | 9 of 14 |
| Most Recent Claim | Jan 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 13414 Esperar Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 584 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 |
| AT&T DSL | 100 / 20 |
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