1601 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1601 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,941 sqft · built 1958
Lot Size	0.37 acres (16,121 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (May 2023)
Tax Bill	$10,727 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`400-330-37-00`

Property Details

APN / Parcel Number

Primary APN	`400-330-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,941 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	16,121 sqft (0.37 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1601 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 16 LOT 16 POR TR DB0170PG071
Legal Subdivision	RANCHO EL CAJON
Legal Tract	DB0170PG
Legal Block	16
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	16401

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	2 Individual Names on File
Mailing Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Mar 14, 2020	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
Oct 14, 2017	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2023 · Amount on File
Deed Sale	May 8, 2023 · Amount on File
Prior Sale	Apr 29, 2016 · Amount on File
Deed Document Number	2023119966
Prior Transfer Date	Sep 29, 1997
Prior Transfer Doc	0000546235
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2023
Property Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Document Number	0000119966
Map Reference	MB 170 PG 71
Instrument Date	Apr 11, 2023
Instrument	2023-0119966
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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	1601 PEPPER DR, EL CAJON, CA 92021-3646

Mortgage

Document Number	0000119967
Date	May 8, 2023
Instrument	2023-0119967

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20563, EL CAJON, CA 92021-0940

Mortgage

Document Number	0000149819
Date	Feb 25, 2021
Instrument	2021-0149819

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Document Number	0000148732
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 PEPPER DR EL CAJON CA 920213646, EL CAJON, CA 92021-3646

Mortgage

Document Number	0000148732
Date	Mar 23, 2020
Instrument	148732

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54402-8026

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Document Number	0000595286
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 PEPPER DR EL CAJON CA 920213646, EL CAJON, CA 92021-3646

Mortgage

Document Number	0000595286
Date	Dec 19, 2019
Instrument	595286

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1601 PEPPER DR, EL CAJON, CA 92021-3646
Document Number	0000493138
Instrument Date	Oct 14, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20563 EL CAJON CA 920210940, EL CAJON, CA 92021-0940

Mortgage

Document Number	0000493138
Date	Oct 24, 2017
Instrument	493138

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	JERICHO, NY 11753

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 23, 2045

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		$870,187 (+2%) Land $176,804 Building $693,383
2025	$10,727.00 (+66.31%) Homeowner's exemption	$853,126 (+74.37%) Land $173,338 Building $679,788
2023	$6,450.00 (+1.99%) Homeowner's exemption	$489,260 Land $99,408 Building $389,852
2022	$6,324.00

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 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

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	0.02% 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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