862 Pearl Pl, El Cajon, CA 92020 Property Records

San Diego County property record for 862 Pearl Pl, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1952
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,500 (Apr 1999)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`492-111-08-00`

Property Details

APN / Parcel Number

Primary APN	`492-111-08-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Contemporary
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating Fuel	Solar

Location & Zoning

Street Address	862 PEARL PL
City	EL CAJON
State	CA
Zip	92020-5831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-6
Legal Description	LOT 8 TR 002813
Legal Subdivision	PEARL PARK
Legal Tract	002813
Legal Block	2
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2006
Census Tract	15902

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 Individual Names on Record
Mailing Address	862 PEARL PL, EL CAJON, CA 92020-5831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Apr 19, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Aug 31, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Aug 29, 2018	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 1999 · Amount on Record
Deed Sale	Apr 21, 1999 · Amount on Record
Prior Sale	Feb 5, 1998 · Amount on Record
Deed Document Number	1999267656
Last Transfer Date	Jun 17, 2003
Transfer Doc	0000785232
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	862 PEARL PL, EL CAJON, CA 92020-5831
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 PEARL PL, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000260970
Date	Sep 19, 2025
Instrument	2025-0260970

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jun 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	862 PEARL PL, EL CAJON, CA 92020-5831
Transaction Type	Mortgage
Record Updated	May 2, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 PEARL PL, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000098742
Date	Apr 19, 2024
Instrument	2024-0098742

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Jun 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	862 PEARL PL, EL CAJON, CA 92020-5831
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 PEARL PL, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000348686
Date	Aug 31, 2022
Instrument	2022-0348686

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jun 1, 2051

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	862 PEARL PL, EL CAJON, CA 92020-5831
Document Number	0000418912
Instrument Date	Aug 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	862 PEARL PL EL CAJON CA 920205831, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000418912
Date	Oct 9, 2018
Instrument	418912

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	El Cajon City
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		$225,714 (+2%) Land $98,636 Building $127,078
2025	$4,397.00 (+7.93%) Homeowner's exemption	$221,289 (+4.04%) Land $96,702 Building $124,587
2023	$4,074.00 (-12.01%) Homeowner's exemption	$212,698 Land $92,948 Building $119,750
2022	$4,630.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	8,000 / 8,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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