2186 Cumbre Pl, El Cajon, CA 92020 Property Records

San Diego County property record for 2186 Cumbre Pl, El Cajon, CA 92020

Property Summary

Property Type	Mixed Use Store/Office
Details	4 bd · 2 ba · 2,030 sqft · built 1976
Lot Size	0.298 acres (12,968 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,747 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`386-561-21-00`

Property Details

APN / Parcel Number

Primary APN	`386-561-21-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,030 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	12,968 sqft (0.298 acres)

Location & Zoning

Street Address	2186 CUMBRE PL
City	EL CAJON
State	CA
Zip	92020-1005
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	RS-9
Legal Description	LOT 214 TR 008159
Legal Subdivision	FLETCHER HILLS
Legal Tract	008159
Legal Block	2
Legal Lot Number	214
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 Company Names on Record
Mailing Address	2186 CUMBRE PL, EL CAJON, CA 92020-1005
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
May 17, 2017	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
May 9, 2017	Deed of Trust, Mortgage ISERVE RESID'L LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 13, 2026
Transfer Doc	0000201192
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	2186 CUMBRE PL, EL CAJON, CA 92020-1005
Document Number	0000201192
Instrument Date	Jul 13, 2026
Instrument	2026201192
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	2186 CUMBRE PL, EL CAJON, CA 92020-1005

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2186 CUMBRE PL, EL CAJON, CA 92020-1005
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221990
Date	May 17, 2017
Instrument	2017-0221990

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2186 CUMBRE PL, EL CAJON, CA 92020-1005
Document Number	0000221989
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2186 CUMBRE PL EL CAJON CA 920201005, EL CAJON, CA 92020-1005

Mortgage

Document Number	0000221989
Date	May 17, 2017
Instrument	221989

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92128

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$160,435 (+2%) Land $47,799 Building $112,636
2025	$2,747.00 (+6.18%) Homeowner's exemption	$157,290 (+4.04%) Land $46,862 Building $110,428
2023	$2,587.00 (+0.23%) Homeowner's exemption	$151,185 Land $45,044 Building $106,141
2022	$2,581.00

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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