565 Pepper Dr, El Cajon, CA 92021 Property Records

San Diego County property record for 565 Pepper Dr, El Cajon, CA 92021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,514 sqft · built 1961
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Sep 2020)
Tax Bill	$7,274 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`388-472-11-00`

Property Details

APN / Parcel Number

Primary APN	`388-472-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,514 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	6,100 sqft (0.14 acres)

Location & Zoning

Street Address	565 PEPPER DR
City	EL CAJON
State	CA
Zip	92021-1026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 80 TR 004497
Legal Subdivision	PEPPER TREE VILLAGE
Legal Tract	004497
Legal Block	2
Legal Lot Number	80
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	16503

Owner

Source: San Diego County records, as of July 21, 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	565 PEPPER DR, EL CAJON, CA 92021-1026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 22, 2020	Grant Deed, Transfer · VA Mortgage NOVA FINANCIAL & INVESTMENT CORP
Jul 19, 2019	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
May 1, 2017	Grant Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	2020558575
Prior Transfer Date	Jun 16, 2015
Prior Transfer Doc	0000312210
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	565 PEPPER DR, EL CAJON, CA 92021-1026
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 PEPPER DR, EL CAJON, CA 92021-1026

Mortgage

Document Number	0000454940
Date	Jun 22, 2021
Instrument	2021-0454940

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2020
Property Address	565 PEPPER DR, EL CAJON, CA 92021-1026
Document Number	0000558575
Map Reference	MAP 4497
Instrument Date	Aug 23, 2020
Instrument	2020-0558575
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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
Address	565 PEPPER DR, EL CAJON, CA 92021-1026

Mortgage

Document Number	0000558577
Date	Sep 22, 2020
Instrument	2020-0558577

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	565 PEPPER DR, EL CAJON, CA 92021-1026
Document Number	0000311030
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	565 PEPPER DR EL CAJON CA 920211026, EL CAJON, CA 92021-1026

Mortgage

Document Number	0000311030
Date	Jul 30, 2019
Instrument	311030

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2017
Property Address	565 PEPPER DR, EL CAJON, CA 92021-1026
Document Number	0000194453
Map Reference	MAP4497
Instrument Date	Mar 29, 2017
Instrument	2017-0194453
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	565 PEPPER DR, EL CAJON, CA 92021-1026

Mortgage

Document Number	0000194454
Date	May 1, 2017
Instrument	2017-0194454

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Mortgage

Document Number	0000194455
Date	May 1, 2017
Instrument	2017-0194455

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company
Address	MESA, AZ 85203

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2027

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$623,802 (+2%) Land $248,416 Building $375,386
2025	$7,274.00 (+4.35%)	$611,572 (+4.04%) Land $243,546 Building $368,026
2023	$6,971.00 (+0.69%)	$587,826 Land $234,090 Building $353,736
2022	$6,923.00

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
Nearby Flood Policies	1 in force

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	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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