2221 Cosgrove Dr, Alpine, CA 91901 Property Records

San Diego County property record for 2221 Cosgrove Dr, Alpine, CA 91901

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,021 sqft · built 1988
Lot Size	2.81 acres (122,839 sqft)
Owner	2 Individual Names on File
Last Sale	$1,335,000 (Sep 2021)
Tax Bill	$16,061 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Sep 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`403-140-32-00`

Property Details

APN / Parcel Number

Primary APN	`403-140-32-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,021 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	122,839 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	2221 COSGROVE DR
City	ALPINE
State	CA
Zip	91901-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM14592
Legal Subdivision	MAP NO 14592
Legal Tract	14592
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	ALPINE
Census Block Group	1
Census Block	1023
Census Tract	21206

Owner

2221 Cosgrove Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 7, 2021	Grant Deed, Transfer · VA Mortgage CORNERSTONE FIRST MORTGAGE INC
Jun 9, 2021	Intrafamily Transfer, Transfer
May 25, 2021	Intrafamily Transfer, Transfer
Nov 15, 2019	Deed of Trust, Mortgage · Conventional with PMI SPROUT MTG
Mar 6, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Nov 9, 1993 · Amount on File
Deed Document Number	2021633345
Prior Transfer Date	May 20, 2021
Prior Transfer Doc	0000426073
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 COSGROVE DR, ALPINE, CA 91901-1428

Mortgage

Document Number	0000046432
Date	Feb 23, 2024
Instrument	2024-0046432

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2039

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 7, 2021
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Document Number	0000633345
Map Reference	MAP 14592
Instrument Date	Aug 13, 2021
Instrument	2021-0633345
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount 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	Joint Tenants
Address	2221 COSGROVE DR, ALPINE, CA 91901-1428

Mortgage

Document Number	0000633346
Date	Sep 7, 2021
Instrument	2021-0633346

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 9, 2021
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Document Number	0000426073
Map Reference	MAP 14592
Instrument Date	May 20, 2021
Instrument	2021-0426073
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2221 COSGROVE DR, ALPINE, CA 91901-1428

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 25, 2021
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Document Number	0000394247
Instrument Date	May 13, 2021
Instrument	2021-0394247
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 COSGROVE DR, ALPINE, CA 91901-1428

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Document Number	0000545568
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2221 COSGROVE DR ALPINE CA 919011428, ALPINE, CA 91901-1428

Mortgage

Document Number	0000545568
Date	Nov 22, 2019
Instrument	545568

Lender

Name	SPROUT MTG
Address	IRVING, TX 75038

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 6, 2019
Property Address	2221 COSGROVE DR, ALPINE, CA 91901-1428
Document Number	0000079680
Instrument Date	Feb 19, 2019
Instrument	79680
Transaction Type	Transfer
Record Updated	Mar 22, 2019
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
Relationship	Revocable Trust
Address	2221 COSGROVE DR ALPINE CA 919011428, ALPINE, CA 91901-1428

Tax Assessment & Valuation

The 2025 property tax bill for 2221 Cosgrove Dr was $16,061 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Alpine Union Elementary School District (KG - 08)
Secondary School District	Grossmont Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,445,045 (+2%) Land $757,701 Building $687,344
2025	$16,061.00 Homeowner's exemption	$1,416,712 Land $742,845 Building $673,867
2023	$16,083.00 (+0.59%) Homeowner's exemption	$1,361,700 Land $714,000 Building $647,700
2022	$15,989.00

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

Flood

FEMA maps place 2221 Cosgrove Dr 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 2221 Cosgrove Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.3% 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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