868 Pearl Pl, El Cajon, CA 92020 Property Records

San Diego County property record for 868 Pearl Pl, El Cajon, CA 92020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,264 sqft · built 1985
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Dec 2025)
Tax Bill	$6,655 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`492-111-09-00`

Property Details

APN / Parcel Number

Primary APN	`492-111-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,264 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	868 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 9 TR 002813
Legal Subdivision	PEARL PARK
Legal Tract	002813
Legal Block	2
Legal Lot Number	9
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 October 13, 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	868 PEARL PL, EL CAJON, CA 92020-5831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Dec 12, 2025	Grant Deed, Transfer · Conventional Mortgage CAKE MORTGAGE CORP
Aug 29, 2025	Grant Deed, Transfer · Commercial Mortgage RWA CREDIT SPV I LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	2025351587
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	868 PEARL PL, EL CAJON, CA 92020-5831
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	TIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 PEARL PL, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000250318
Date	Jun 15, 2022
Instrument	2022-0250318

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2025
Property Address	868 PEARL PL, EL CAJON, CA 92020-5831
Document Number	0000351587
Map Reference	MAP 2813
Instrument Date	Nov 14, 2025
Instrument	2025-0351587
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	868 PEARL PL, EL CAJON, CA 92020-5831

Mortgage

Document Number	0000351588
Date	Dec 12, 2025
Instrument	2025-0351588

Lender

Name	CAKE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 29, 2025
Property Address	868 PEARL PL, EL CAJON, CA 92020-5831
Document Number	0000241081
Map Reference	MAP 2813
Instrument Date	Aug 20, 2025
Instrument	2025-0241081
Transaction Type	Transfer
Record Updated	Sep 10, 2025
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 WELLESLEY ST STE 200, 200, LA MESA, CA 91942-4401

Mortgage

Document Number	0000241082
Date	Aug 29, 2025
Instrument	2025-0241082

Lender

Name	RWA CREDIT SPV I LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2026

Mortgage

Document Number	0000241083
Date	Aug 29, 2025
Instrument	2025-0241083

Lender

Name	MARK MAYNARD
Type	Private Party
Address	9013 BUBBLING WELLS RD, LAKESIDE, CA 92040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$890,000 (+78.58%) Land $580,000 Building $310,000
2025	$6,655.00 (+6.04%) Homeowner's exemption	$498,371 (+4.04%) Land $127,851 Building $370,520
2023	$6,276.00 (-5.18%) Homeowner's exemption	$479,021 Land $122,888 Building $356,133
2022	$6,619.00

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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