523 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 523 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,339 sqft · built 1930
Lot Size	0.221 acres (9,631 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Oct 2018)
Tax Bill	$4,002 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`388-130-06-00`

Property Details

APN / Parcel Number

Primary APN	`388-130-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,339 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	9,631 sqft (0.221 acres)

Location & Zoning

Street Address	523 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TCT R SEC 35-15-1W POR TR MR0004PG090
Legal Range	01W
Legal Township	15
Legal Section	35
Legal Subdivision	HILL ESTATE IN RANCHO EL CAJON
Legal Tract	5
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	16503

Owner

523 Pepper Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 PEPPER DR, EL CAJON, CA 92021-1025
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
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 26, 2019	Deed of Trust, Mortgage · VA Mortgage MIDWEST EQUITY MORTGAGE LLC
Oct 30, 2018	Grant Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Prior Sale	Nov 24, 2015 · Amount on File
Deed Document Number	2018454719
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	523 PEPPER DR, EL CAJON, CA 92021-1025
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 PEPPER DR, EL CAJON, CA 92021-1025

Mortgage

Document Number	0000267853
Date	Sep 26, 2025
Instrument	2025-0267853

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	523 PEPPER DR, EL CAJON, CA 92021-1025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326202
Date	Jun 23, 2020
Instrument	2020-0326202

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	523 PEPPER DR, EL CAJON, CA 92021-1025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425799
Date	Sep 26, 2019
Instrument	2019-0425799

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2018
Property Address	523 PEPPER DR, EL CAJON, CA 92021-1025
Document Number	0000454719
Instrument Date	Sep 27, 2018
Instrument	2018-0454719
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	523 PEPPER DR, EL CAJON, CA 92021-1025

Mortgage

Document Number	0000454720
Date	Oct 30, 2018
Instrument	2018-0454720

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Mortgage

Document Number	0000454721
Date	Oct 30, 2018
Instrument	2018-0454721

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 523 Pepper Dr was $4,002 with a veteran's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$517,706 (+2%) Land $273,076 Building $244,630
2025	$4,002.00 Veteran's exemption	$507,556 Land $267,722 Building $239,834
2023	$3,920.00 (-1.63%)	$487,849 Land $257,327 Building $230,522
2022	$3,985.00

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

Flood

FEMA maps place 523 Pepper 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

The area around 523 Pepper Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 397 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

May also be available: AT&T, GeoLinks, T-Mobile, Verizon.

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