2566 Descanso Ln, El Cajon, CA 92021 Property Records

San Diego County property record for 2566 Descanso Ln, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,658 sqft · built 1990
Lot Size	10 acres (435,600 sqft)
Owner	2 Company Names on Record
Last Sale	$1,560,000 (Sep 2024)
Tax Bill	$7,242 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`513-130-02-00`

Property Details

APN / Parcel Number

Primary APN	`513-130-02-00`
Alternative APN	`5130102700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,658 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	435,600 sqft
View / Lot	Good
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	5130102700
Street Address	2566 DESCANSO LN
City	EL CAJON
State	CA
Zip	92021-4317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 10-16-1E NEQ W H OF E H OF W H OF LD DAF:NWQ OF SEQ&SWQ OF
Legal Range	01E
Legal Township	16
Legal Section	10
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	15501

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	2566 DESCANSO LN, EL CAJON, CA 92021-4317
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	Nov 21, 2001 · Amount on Record
Deed Document Number	2024245043
Prior Transfer Date	Nov 23, 2011
Prior Transfer Doc	0000646441
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2566 DESCANSO LN, EL CAJON, CA 92021-4317
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2566 DESCANSO LN, EL CAJON, CA 92021-4317

Mortgage

Document Number	0000242481
Date	Sep 7, 2023
Instrument	2023-0242481

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2566 DESCANSO LN, EL CAJON, CA 92021-4317
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2566 DESCANSO LN, EL CAJON, CA 92021-4317

Mortgage

Document Number	0000125303
Date	Mar 22, 2022
Instrument	2022-0125303

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2566 DESCANSO LN, EL CAJON, CA 92021-4317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000564990
Date	Dec 5, 2017
Instrument	2017-0564990

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

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		$581,475 (+2%) Land $372,726 Building $208,749
2025	$7,242.00 (-12.83%)	$570,074 (-12.43%) Land $365,418 Building $204,656
2023	$8,308.00 (+1.7%) Homeowner's exemption	$650,965 Land $228,744 Building $422,221
2022	$8,169.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 in force
Nearby Flood Claims	3 (1993–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2020 · other causes

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	Extreme above 96% of the US · above 84% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 5 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

May also be available: AT&T.

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