1688 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 1688 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	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Oct 2021)
Tax Bill	$9,996 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400-435-12-00`

Property Details

APN / Parcel Number

Primary APN	`400-435-12-00`

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	7,200 sqft (0.165 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	1688 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 12 TR 008119
Legal Subdivision	RANCHO ARBOLEDA
Legal Tract	008119
Legal Block	4
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4003
Census Tract	16807

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	1688 PEPPER DR, EL CAJON, CA 92021-3601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Grant Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP
Oct 8, 2020	Deed of Trust, Mortgage · VA Mortgage LADERA LENDING INC
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	Sep 18, 2014 · Amount on Record
Deed Document Number	2021691568
Record Updated	Sep 20, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2021
Property Address	1688 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000691568
Map Reference	MAP 8119
Instrument Date	Sep 1, 2021
Instrument	2021-0691568
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1688 PEPPER DR, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000691569
Date	Oct 1, 2021
Instrument	2021-0691569

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1688 PEPPER DR, EL CAJON, CA 92021-3601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1688 PEPPER DR, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000607622
Date	Oct 8, 2020
Instrument	2020-0607622

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1688 PEPPER DR, EL CAJON, CA 92021-3601
Document Number	0000485031
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1688 PEPPER DR EL CAJON CA 920213601, EL CAJON, CA 92021-3601

Mortgage

Document Number	0000485031
Date	Oct 25, 2019
Instrument	485031

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$811,822 (+2%) Land $443,796 Building $368,026
2025	$9,996.00 (+0.1%) Homeowner's exemption	$795,905 (+4.04%) Land $435,095 Building $360,810
2023	$9,986.00 (+2.99%) Homeowner's exemption	$765,000 Land $418,200 Building $346,800
2022	$9,696.00

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

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 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: California Internet.

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