1640 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1640 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	0.186 acres (8,100 sqft)
Owner	Company Name on Record
Last Sale	$430,000 (Jul 2013)
Tax Bill	$6,718 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400-422-16-00`

Property Details

APN / Parcel Number

Primary APN	`400-422-16-00`

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	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	8,100 sqft (0.186 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	1640 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 22 TR 008119
Legal Subdivision	RANCHO ARBOLEDA
Legal Tract	008119
Legal Block	4
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4003
Census Tract	16807

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1640 PEPPER DR, EL CAJON, CA 92021-3601
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Nov 20, 2018	Quit Claim Deed, Transfer Quitclaim
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage DOLAN GADDI LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2013 · Amount on Record
Deed Sale	Jul 16, 2013 · Amount on Record
Prior Sale	Apr 19, 2013 · Amount on Record
Deed Document Number	2013443135
Prior Transfer Date	Oct 23, 1996
Prior Transfer Doc	0000548120
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 PEPPER DR, EL CAJON, CA 92021-3601
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000391918
Date	Aug 28, 2017
Instrument	2017-0391918

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 20, 2018
Property Address	1640 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000481532
Instrument Date	Nov 15, 2018
Instrument	481532
Transaction Type	Transfer
Record Updated	Nov 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1640 PEPPER DR EL CAJON CA 920213601, EL CAJON, CA 92021-3601

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000250835
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	US LIFE TITLE INSURANCE COMPANY, FIDELITY NATIONAL FIN'L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 PEPPER DR EL CAJON CA 920213601, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000250835
Date	Jun 5, 2017
Instrument	250835

Lender

Name	DOLAN GADDI LNDG
Address	CARLSBAD, CA 92011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

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		$537,647 (+2%) Land $200,052 Building $337,595
2025	$6,718.00 (+1.1%) Homeowner's exemption	$527,106 (+4.04%) Land $196,130 Building $330,976
2023	$6,645.00 (+1.19%) Homeowner's exemption	$506,640 Land $188,515 Building $318,125
2022	$6,567.00

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 (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

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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