2177 Virginia Ct, El Cajon, CA 92020 Property Records

San Diego County property record for 2177 Virginia Ct, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1951
Lot Size	0.175 acres (7,600 sqft)
Owner	2 Trust Names on File
Last Sale	$775,000 (Dec 2025)
Tax Bill	$1,534 (2025)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`486-141-01-00`

Property Details

APN / Parcel Number

Primary APN	`486-141-01-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,000 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Lot Area	7,600 sqft (0.175 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2177 VIRGINIA CT
City	EL CAJON
State	CA
Zip	92020-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 51 TR 002605
Legal Subdivision	CHARLES WAY SUB
Legal Tract	002605
Legal Block	2
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2011
Census Tract	16100

Owner

2177 Virginia Ct is owner-occupied and held in a trust since December 2025.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Jul 15, 2026	Deed of Trust, Mortgage · Reverse Mortgage CHICAGO TITLE W, CHICAGO TITLE
Dec 12, 2025	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Aug 8, 2005 · Amount on File
Deed Document Number	2025351578
Prior Transfer Date	Apr 12, 2007
Prior Transfer Doc	0000270730
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2026
Property Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822
Document Number	0000202284
Instrument Date	Jul 10, 2026
Instrument	2026202284
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822

Mortgage

Document Number	0000202284,
Date	Jul 15, 2026
Instrument	2026202284

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	915 Months
Due	Oct 10, 2102

Interest

Rate	6.52%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2026
Property Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822
Document Number	0000202285
Instrument Date	Jul 10, 2026
Instrument	2026202285
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822

Mortgage

Document Number	0000202285,
Date	Jul 15, 2026
Instrument	2026202285

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	915 Months
Due	Oct 10, 2102

Interest

Rate	6.52%
Max Rate	-1%

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2025
Property Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822
Document Number	0000351578
Map Reference	MAP 2605
Instrument Date	Nov 25, 2025
Instrument	2025-0351578
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Revocable Trust
Address	2177 VIRGINIA CT, EL CAJON, CA 92020-2822

Mortgage

Document Number	0000351579
Date	Dec 12, 2025
Instrument	2025-0351579

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 2177 Virginia Ct was $1,534.

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		$700,322 (+669.75%) Land $451,708 Building $248,614
2025	$1,534.00 Homeowner's exemption	$90,980 Land $34,388 Building $56,592
2023	$1,650.00 (-3.23%) Homeowner's exemption	$87,449 Land $33,053 Building $54,396
2022	$1,705.00

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

FEMA maps place 2177 Virginia Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2177 Virginia Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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 673 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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