2425 Pence Dr, El Cajon, CA 92019 Property Records

San Diego County property record for 2425 Pence Dr, El Cajon, CA 92019 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,528 sqft · built 1978
Lot Size	1.11 acres (48,787 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,876 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`515-100-48-00`

Property Details

APN / Parcel Number

Primary APN	`515-100-48-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,528 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	48,787 sqft
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
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2425 PENCE DR
City	EL CAJON
State	CA
Zip	92019-3551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 68 TR 007746
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	007746
Legal Block	1
Legal Lot Number	68
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 · APN 515-100-48-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2425 PENCE DR, EL CAJON, CA 92019-3551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 03, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 19, 2020	Deed of Trust, Mortgage · VA Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 26, 2012
Deed Sale	Apr 26, 2012
Prior Sale	Sep 30, 2011 · Amount on Record
Deed Document Number	2012243355
Prior Transfer Date	Apr 19, 2012
Prior Transfer Doc	0000243355
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2425 PENCE DR, EL CAJON, CA 92019-3551
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 PENCE DR, EL CAJON, CA 92019-3551

Mortgage

Document Number	0000304429
Date	Nov 03, 2023
Instrument	2023-0304429

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2425 PENCE DR, EL CAJON, CA 92019-3551
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 PENCE DR, EL CAJON, CA 92019-3551

Mortgage

Document Number	0000840539
Date	Dec 13, 2021
Instrument	2021-0840539

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2425 PENCE DR, EL CAJON, CA 92019-3551
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000467785
Date	Aug 19, 2020
Instrument	2020-0467785

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$686,697 (+2%) Land $212,997 Building $473,700
2025	$7,876.00 (+2.05%) Homeowner's exemption	$673,233 (+4.04%) Land $208,821 Building $464,412
2023	$7,718.00 (+1.59%) Homeowner's exemption	$647,092 Land $200,713 Building $446,379
2022	$7,597.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730154061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, river or lake flooding, Severe Storm And Flooding

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 29% of California
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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