2022 Estela Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 2022 Estela Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,184 sqft · built 1978
Lot Size	0.366 acres (15,959 sqft)
Owner	2 Individual Names on Record
Last Sale	$905,000 (Apr 2021)
Tax Bill	$12,575 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`386-573-08-00`

Property Details

APN / Parcel Number

Primary APN	`386-573-08-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	15,959 sqft (0.366 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2022 ESTELA DR
City	EL CAJON
State	CA
Zip	92020-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 400 TR 008428
Legal Subdivision	FLETCHER HILLS
Legal Tract	008428
Legal Block	2
Legal Lot Number	400
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2005
Census Tract	16201

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	2022 ESTELA DR, EL CAJON, CA 92020-1008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FEDERAL CREDIT UNION
Mar 30, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 26, 2021	Grant Deed, Transfer · Conventional Mortgage MCJAB INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Oct 18, 1985 · Amount on Record
Deed Document Number	2021320389
Prior Transfer Date	Mar 25, 1994
Prior Transfer Doc	0000216724
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2026
Property Address	2022 ESTELA DR, EL CAJON, CA 92020-1008
Document Number	0000117127
Instrument Date	Apr 9, 2026
Instrument	2026117127
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2022 ESTELA DR, EL CAJON, CA 92020-1008
Investor	Possibly a Property Investor

Mortgage

Document Number	0000117127,
Date	Apr 27, 2026
Instrument	2026117127

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2022 ESTELA DR, EL CAJON, CA 92020-1008
Transaction Type	Mortgage
Record Updated	Apr 7, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 ESTEIA DR, EL CAJON, CA 92020-1008

Mortgage

Document Number	0000083451
Date	Mar 30, 2023
Instrument	2023-0083451

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2021
Property Address	2022 ESTELA DR, EL CAJON, CA 92020-1008
Document Number	0000320389
Map Reference	MAP 8428
Instrument Date	Apr 15, 2021
Instrument	2021-0320389
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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	2022 ESTELA DR, EL CAJON, CA 92020-1008

Mortgage

Document Number	0000320390
Date	Apr 26, 2021
Instrument	2021-0320390

Lender

Name	MCJAB INC
Type	Non-Lending Institution

Agreement

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

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
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$999,189 (+2%) Land $684,528 Building $314,661
2025	$12,575.00 (+4%) Homeowner's exemption	$979,598 (+4.04%) Land $671,106 Building $308,492
2023	$12,091.00 (+3.63%) Homeowner's exemption	$941,562 Land $645,048 Building $296,514
2022	$11,668.00

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
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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	PADRE DAM MWD serves 93,980 people · EPA ID CA3710037
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	1 ppb (2023–2025) 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 183 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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