2196 Estela Dr, El Cajon, CA 92020 Property Records

San Diego County property record for 2196 Estela Dr, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,084 sqft · built 1978
Lot Size	0.38 acres (16,555 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Oct 1985)
Tax Bill	$4,488 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`386-562-39-00`

Property Details

APN / Parcel Number

Primary APN	`386-562-39-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,084 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	16,555 sqft (0.38 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 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	2196 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 415 TR 008164
Legal Subdivision	FLETCHER HILLS
Legal Tract	008164
Legal Block	2
Legal Lot Number	415
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2005
Census Tract	16201

Owner

2196 Estela Dr is owned and occupied by an individual who acquired it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 8, 2022	Deed of Trust, Mortgage · Line of Credit MY POINT CU SD
Jun 17, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Dec 18, 2018	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Apr 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 1985 · Amount on File
Deed Sale	Oct 14, 1985 · Amount on File
Deed Document Number	1985381211
Last Transfer Date	Aug 7, 2017
Transfer Doc	0000165193
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2196 ESTELA DR, EL CAJON, CA 92020-1010

Mortgage

Document Number	0000676259
Date	Sep 27, 2021
Instrument	2021-0676259

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Dec 1, 2050

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2196 ESTELA DR, EL CAJON, CA 92020-1010

Mortgage

Document Number	0000428906
Date	Nov 8, 2022
Instrument	2022-0428906

Lender

Name	MY POINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233642
Date	Jun 17, 2019
Instrument	2019-0233642

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2196 ESTELA DR, EL CAJON, CA 92020-1010

Mortgage

Document Number	0000517007
Date	Dec 18, 2018
Instrument	2018-0517007

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	9.75%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2018
Property Address	2196 ESTELA DR, EL CAJON, CA 92020-1010
Document Number	0000165193
Instrument Date	Aug 7, 2017
Instrument	165193
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2196 ESTELA DR EL CAJON CA 920201010, EL CAJON, CA 92020-1010

Tax Assessment & Valuation

The 2025 property tax bill for 2196 Estela Dr was $4,488.

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		$332,319 (+2%) Land $99,684 Building $232,635
2025	$4,488.00	$325,804 Land $97,730 Building $228,074
2023	$4,200.00 (+0.79%)	$313,154 Land $93,936 Building $219,218
2022	$4,167.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2196 Estela Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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

Wildfire risk around 2196 Estela Dr is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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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