1509 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1509 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,951 sqft · built 1960
Lot Size	0.342 acres (14,888 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Mar 2017)
Tax Bill	$7,886 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`400-330-03-00`

Property Details

APN / Parcel Number

Primary APN	`400-330-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,951 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	14,888 sqft (0.342 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1509 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 16 LOT 19 /EXC WLY 185 FT/ NLY 128 FT OF TR DB0170PG071
Legal Subdivision	RANCHO EL CAJON
Legal Tract	S
Legal Block	16
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	16401

Owner

1509 Pepper Dr is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1509 PEPPER DR, EL CAJON, CA 92021-3615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Mar 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SUNSTREET MORTGAGE LLC
Jun 14, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 30, 2017	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Prior Sale	Sep 25, 2012 · Amount on File
Deed Document Number	2017145319
Prior Transfer Date	Apr 29, 1994
Prior Transfer Doc	0000327449
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1509 PEPPER DR, EL CAJON, CA 92021-3615
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 PEPPER DR, EL CAJON, CA 92021-3615

Mortgage

Document Number	0000023219
Date	Jan 18, 2022
Instrument	2022-0023219

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2021
Property Address	1509 PEPPER DR, EL CAJON, CA 92021-3615
Document Number	0000195338
Map Reference	MB 170 PG 71
Instrument Date	Mar 8, 2021
Instrument	2021-0195338
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1509 PEPPER DR, EL CAJON, CA 92021-3615

Mortgage

Document Number	0000195339
Date	Mar 12, 2021
Instrument	2021-0195339

Lender

Name	SUNSTREET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1509 PEPPER DR, EL CAJON, CA 92021-3615
Document Number	0000286419
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 PEPPER DR EL CAJON CA 920213615, EL CAJON, CA 92021-3615

Mortgage

Document Number	0000286419
Date	Jul 17, 2019
Instrument	286419

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 16, 2059

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2017
Property Address	1509 PEPPER DR, EL CAJON, CA 92021-3615
Document Number	0000145319
Map Reference	MB170 PG71
Instrument Date	Mar 7, 2017
Instrument	2017-0145319
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN 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	Community Property
Address	3401 ACACIA ST, SAN DIEGO, CA 92113-3138

Mortgage

Document Number	0000145320
Date	Mar 30, 2017
Instrument	2017-0145320

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1509 Pepper Dr was $7,886.

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		$615,565 (+2%) Land $308,641 Building $306,924
2025	$7,886.00	$603,496 Land $302,590 Building $300,906
2023	$7,619.00 (+1.91%)	$580,063 Land $290,841 Building $289,222
2022	$7,476.00

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

Flood

FEMA maps place 1509 Pepper Dr 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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 1509 Pepper Dr 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 80% of the US · lower than 88% 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 632 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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