2120 Estela Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 2120 Estela Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,366 sqft · built 1978
Lot Size	0.442 acres (19,266 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,020,000 (Apr 2023)
Tax Bill	$13,461 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`386-562-32-00`

Property Details

APN / Parcel Number

Primary APN	`386-562-32-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	19,266 sqft (0.442 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
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2120 ESTELA DR
City	EL CAJON
State	CA
Zip	92020-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 408 TR 008164
Legal Subdivision	FLETCHER HILLS
Legal Tract	008164
Legal Block	2
Legal Lot Number	408
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2120 ESTELA DR, EL CAJON, CA 92020-1010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Grant Deed, Transfer · Conventional Mortgage MISSION FCU
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Apr 3, 1987 · Amount on Record
Deed Document Number	202399331
Prior Transfer Date	Dec 26, 2006
Prior Transfer Doc	0000043774
Record Updated	Oct 29, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 17, 2023
Property Address	2120 ESTELA DR, EL CAJON, CA 92020-1010
Document Number	0000099331
Map Reference	MAP 8164
Instrument Date	Mar 3, 2023
Instrument	2023-0099331
Transaction Type	Transfer
Record Updated	Apr 27, 2023
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

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	Community Property with Right of Survivorship
Address	2120 ESTELA DR, EL CAJON, CA 92020-1010

Mortgage

Document Number	0000099332
Date	Apr 17, 2023
Instrument	2023-0099332

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	10.6%
Index	1-Year T-Bill
Margin	2
Max Rate	10.6%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2120 ESTELA DR, EL CAJON, CA 92020-1010
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 ESTELA DR, EL CAJON, CA 92020-1010

Mortgage

Document Number	0000137988
Date	Mar 29, 2022
Instrument	2022-0137988

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

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		$1,082,431 (+2%) Land $636,724 Building $445,707
2025	$13,461.00 (+256.49%) Homeowner's exemption	$1,061,208 (+280.86%) Land $624,240 Building $436,968
2023	$3,776.00 (+0.43%) Homeowner's exemption	$278,636 Land $92,596 Building $186,040
2022	$3,760.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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