1632 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1632 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,176 sqft · built 1977
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$754,000 (Mar 2021)
Tax Bill	$10,959 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400-422-13-00`

Property Details

APN / Parcel Number

Primary APN	`400-422-13-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1632 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-3601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 25 TR 008119
Legal Subdivision	RANCHO ARBOLEDA
Legal Tract	008119
Legal Block	4
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4003
Census Tract	16807

Owner

1632 Pepper Dr is owned and occupied by two individuals who bought it in March 2021.

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	1632 PEPPER DR, EL CAJON, CA 92021-3601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 18, 2020	Quit Claim Deed, Transfer GOLDEN EMPIRE MORTGAGE INC
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on File
Deed Sale	Mar 22, 2021 · Amount on File
Prior Sale	Aug 4, 2016 · Amount on File
Deed Document Number	2021222583
Prior Transfer Date	Feb 12, 2020
Prior Transfer Doc	0000081777
Record Updated	Oct 29, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2021
Property Address	1632 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000222583
Map Reference	MAP 8119
Instrument Date	Mar 2, 2021
Instrument	2021-0222583
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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
Address	1632 PEPPER DR, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000222584
Date	Mar 22, 2021
Instrument	2021-0222584

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 18, 2020
Property Address	1632 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000081777
Instrument Date	Feb 12, 2020
Instrument	81777
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 PEPPER DR EL CAJON CA 920213601, EL CAJON, CA 92021-3601

Mortgage

Document Number	81778
Date	Feb 18, 2020
Instrument	81778

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Bank
Address	BAKERSFIELD, CA 93309

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1632 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000033498
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1632 PEPPER DR EL CAJON CA 920213601, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000033498
Date	Jan 26, 2018
Instrument	33498

Lender

Name	GOLDEN EMPIRE MORTGAGE INC GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1632 Pepper Dr was $10,959.

Source: San Diego County assessment roll, as of July 28, 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		$832,473 (+2%) Land $458,193 Building $374,280
2025	$10,959.00	$816,151 Land $449,209 Building $366,942
2023	$10,615.00 (+2.21%)	$784,461 Land $431,766 Building $352,695
2022	$10,385.00

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

Flood

FEMA maps place 1632 Pepper Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 1632 Pepper Dr is low, with a 0.02% 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	0.02% 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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