2175 Cumbre Pl, El Cajon, CA 92020 Property Records

San Diego County property record for 2175 Cumbre Pl, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,929 sqft · built 1977
Lot Size	0.294 acres (12,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (May 2020)
Tax Bill	$11,653 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`386-561-25-00`

Property Details

APN / Parcel Number

Primary APN	`386-561-25-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,929 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	12,806 sqft (0.294 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2175 CUMBRE PL
City	EL CAJON
State	CA
Zip	92020-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-9
Legal Description	LOT 210 TR 008159
Legal Subdivision	FLETCHER HILLS
Legal Tract	008159
Legal Block	2
Legal Lot Number	210
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
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	6115 VIA MADRID, GRANITE BAY, CA 95746-5802
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 28, 2020	Grant Deed, Transfer · Conventional with PMI PENNYMAC
Jan 9, 2020	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jan 9, 2020	Grant Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2020 · Amount on Record
Deed Sale	May 28, 2020 · Amount on Record
Prior Sale	Jan 9, 2020 · Amount on Record
Deed Document Number	2020272091
Prior Transfer Date	Oct 10, 1996
Prior Transfer Doc	0000563164
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2175 CUMBRE PL, EL CAJON, CA 92020-1005
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2175 CUMBRE PL, EL CAJON, CA 92020-1005

Mortgage

Document Number	0000039807
Date	Jan 27, 2022
Instrument	2022-0039807

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 28, 2020
Property Address	2175 CUMBRE PL, EL CAJON, CA 92020-1005
Document Number	0000272091
Instrument Date	May 18, 2020
Instrument	272091
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2175 CUMBRE PL EL CAJON CA 920201005, EL CAJON, CA 92020-1005

Mortgage

Document Number	272092
Date	May 28, 2020
Instrument	272092

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 9, 2020
Property Address	2175 CUMBRE PL, EL CAJON, CA 92020-1005
Document Number	0000010786
Instrument Date	Dec 26, 2019
Instrument	10786
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 YNEZ PL CORONADO CA 921182925, CORONADO, CA 92118-2925

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 9, 2020
Property Address	2175 CUMBRE PL, EL CAJON, CA 92020-1005
Document Number	0000010787
Map Reference	MAP 8159
Instrument Date	Nov 19, 2019
Instrument	2020-0010787
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	1303 YNEZ PL, CORONADO, CA 92118-2925
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010788
Date	Jan 9, 2020
Instrument	2020-0010788

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$836,522 (+2%) Land $307,275 Building $529,247
2025	$11,653.00 (+14.12%)	$820,120 (+4.04%) Land $301,250 Building $518,870
2023	$10,211.00 (+0.43%)	$788,276 Land $289,553 Building $498,723
2022	$10,167.00

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 93% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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