2409 Pence Dr, El Cajon, CA 92019 Property Records

San Diego County property record for 2409 Pence Dr, El Cajon, CA 92019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,965 sqft · built 1974
Lot Size	1.03 acres (44,867 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Apr 2021)
Tax Bill	$13,931 (2025)
Deeds & Mortgages	Apr 2021 Sale Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`515-100-47-00`

Property Details

APN / Parcel Number

Primary APN	`515-100-47-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,965 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	44,867 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2409 PENCE DR
City	EL CAJON
State	CA
Zip	92019-3551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 67 TR 007746
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	007746
Legal Block	1
Legal Lot Number	67
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1007
Census Tract	15406

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	Company Name on Record
Mailing Address	2409 PENCE DR, EL CAJON, CA 92019-3551
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Grant Deed, Transfer CHICAGO TITLE COMPANY SD
Jun 25, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Oct 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	2021263236
Prior Transfer Date	Oct 23, 2018
Prior Transfer Doc	0000445660
Record Updated	Oct 29, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2021
Property Address	2409 PENCE DR, EL CAJON, CA 92019-3551
Document Number	0000263236
Map Reference	MAP 7746
Instrument Date	Mar 27, 2021
Instrument	2021-0263236
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY SD

Transaction

Amount	Amount Recorded
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	Family Trust
Address	2409 PENCE DR, EL CAJON, CA 92019-3551

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2019
Property Address	2409 PENCE DR, EL CAJON, CA 92019-3551
Document Number	0000249338
Map Reference	MAP 7746
Instrument Date	May 3, 2019
Instrument	2019-0249338
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

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
Relationship	Joint Tenants
Address	2409 PENCE DR, EL CAJON, CA 92019-3551

Mortgage

Document Number	0000249339
Date	Jun 25, 2019
Instrument	2019-0249339

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 25, 2018
Property Address	2409 PENCE DR, EL CAJON, CA 92019-3551
Document Number	0000445660
Instrument Date	Oct 23, 2018
Instrument	445660
Transaction Type	Transfer
Record Updated	Nov 1, 2018

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	2409 PENCE DR EL CAJON CA 920193551, EL CAJON, CA 92019-3551

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Elementary School District	Cajon Valley 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		$1,214,486 (+2%) Land $607,243 Building $607,243
2025	$13,931.00 (+2.01%) Homeowner's exemption	$1,190,674 (+4.04%) Land $595,337 Building $595,337
2023	$13,656.00 (+0.96%) Homeowner's exemption	$1,144,440 Land $572,220 Building $572,220
2022	$13,526.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1985–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

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	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.09% 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	Sycuan tribal government · serves 12,350 people · EPA ID 090605024
Water Source	Purchased surface water from PADRE DAM MWD
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	3 ppb (2025) action level 15 ppb
Copper	1.53 mg/L (2017) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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