1644 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1644 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,642 sqft · built 1959
Lot Size	0.359 acres (15,638 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Aug 2015)
Tax Bill	$6,462 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`400-240-16-00`

Property Details

APN / Parcel Number

Primary APN	`400-240-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,642 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	15,638 sqft (0.359 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1644 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-3668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 33 LOT 3 SELY 110 FT OF NWLY 452.90 FT OF SWLY 144 FT OF TR DB0170PG071
Legal Subdivision	RANCHO EL CAJON
Legal Tract	DB0170PG
Legal Block	33
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4000
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	2 Individual Names on Record
Mailing Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENDING ARENA LLC
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 29, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2015 · Amount on Record
Deed Sale	Aug 11, 2015 · Amount on Record
Deed Document Number	2015424298
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 PEPPER DR, EL CAJON, CA 92021-3668

Mortgage

Document Number	0000363922
Date	Dec 26, 2025
Instrument	2025-0363922

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 PEPPER DR, EL CAJON, CA 92021-3668

Mortgage

Document Number	0000582637
Date	Aug 16, 2021
Instrument	2021-0582637

Lender

Name	LENDING ARENA LLC
Type	Non-Lending Institution
Address	LAS VEGAS, NV 89117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Document Number	0000235348
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
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	1644 PEPPER DR EL CAJON CA 920213668, EL CAJON, CA 92021-3668

Mortgage

Document Number	0000235348
Date	May 8, 2020
Instrument	235348

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Document Number	0000381679
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1644 PEPPER DR EL CAJON CA 920213668, EL CAJON, CA 92021-3668

Mortgage

Document Number	0000381679
Date	Sep 5, 2019
Instrument	381679

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1644 PEPPER DR, EL CAJON, CA 92021-3668
Document Number	0000053009
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2018
Title Company	GUARDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1644 PEPPER DR EL CAJON CA 920213668, EL CAJON, CA 92021-3668

Mortgage

Document Number	0000053009
Date	Feb 9, 2018
Instrument	53009

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

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		$498,674 (+2%) Land $152,572 Building $346,102
2025	$6,462.00 (+0.91%) Homeowner's exemption	$488,897 (+4.04%) Land $149,581 Building $339,316
2024	$6,404.00 (+2.97%)
2023	$6,219.00 (+2.02%) Homeowner's exemption	$469,915 Land $143,774 Building $326,141
2022	$6,096.00

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	0.01% 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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