525 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 525 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,464 sqft · built 1938
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Tax Bill	$374 (2025)
Deeds & Mortgages	Apr 2024 Reverse Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`388-130-07-00`

Property Details

APN / Parcel Number

Primary APN	`388-130-07-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,464 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	28,314 sqft (0.65 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	525 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

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	Individual Name on Record
Mailing Address	525 PEPPER DR, EL CAJON, CA 92021-1025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jun 23, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE SPRAY LANE TRUST
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage LANE SPRAY TRUST (PT)
Sep 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 15, 2017
Transfer Doc	0000426339
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 PEPPER DR, EL CAJON, CA 92021-1025
Transaction Type	Mortgage
Record Updated	May 2, 2024
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 PEPPER DR, EL CAJON, CA 92021-1025

Mortgage

Document Number	0000100083
Date	Apr 22, 2024
Instrument	2024-0100083

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	965 Months
Due	Sep 15, 2104

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.6%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 PEPPER DR, EL CAJON, CA 92021-1025
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 PEPPER DR, EL CAJON, CA 92021-1025

Mortgage

Document Number	0000259830
Date	Jun 23, 2022
Instrument	2022-0259830

Lender

Name	THE SPRAY LANE TRUST
Type	Non-Lending Institution
Address	MALIBU, CA 90265

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 PEPPER DR, EL CAJON, CA 92021-1025
Document Number	0000486634
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 PEPPER DR EL CAJON CA 920211025, EL CAJON, CA 92021-1025

Mortgage

Document Number	0000486634
Date	Oct 25, 2019
Instrument	486634

Lender

Name	LANE SPRAY TRUST (PT)
Address	18065 COASTLINE DR # 1, MALIBU, CA 90265-5714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2017
Property Address	525 PEPPER DR, EL CAJON, CA 92021-1025
Document Number	0000426339
Instrument Date	Jun 15, 2017
Instrument	426339
Transaction Type	Transfer
Record Updated	Sep 21, 2017
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
Address	525 PEPPER DR EL CAJON CA 920211025, EL CAJON, CA 92021-1025

Tax Assessment & Valuation

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		$30,098 (+2%) Land $15,049 Building $15,049
2025	$374.00 (+6.55%) Homeowner's exemption	$29,508 (+4.03%) Land $14,754 Building $14,754
2023	$351.00 (+2.33%) Homeowner's exemption	$28,364 Land $14,182 Building $14,182
2022	$343.00

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

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

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.

Nearby Properties on Pepper Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures