978 E Main St, Unit A, El Cajon, CA 92021 Property Records

San Diego County property record for 978 E Main St, Unit A, El Cajon, CA 92021

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,525 sqft · built 1981
Lot Size	2.19 acres (95,787 sqft)
Owner	Company Name on Record
Last Sale	$279,000 (Oct 2003)
Tax Bill	$4,605 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`489-130-52-06`

Property Details

APN / Parcel Number

Primary APN	`489-130-52-06`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,525 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Lot Area	95,787 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	978 E MAIN ST, A
City	EL CAJON
State	CA
Zip	92021-6204
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 6 PER DOC80-186586&232777&UND INT IN TR 009410
Legal Subdivision	PEPPER OAK
Legal Tract	009410
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	15701

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	Company Name on Record
Mailing Address	978 E MAIN ST, A, EL CAJON, CA 92021-6204
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Jun 14, 2023	Intrafamily Transfer, Transfer
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2003 · Amount on Record
Deed Sale	Oct 31, 2003 · Amount on Record
Prior Sale	Mar 25, 1988 · Amount on Record
Deed Document Number	20031328654
Last Transfer Date	Jun 9, 2023
Transfer Doc	0000155740
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	978 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6204
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 E MAIN ST A, A, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000312619
Date	Nov 9, 2023
Instrument	2023-0312619

Lender

Name	US BANK NA
Type	Bank
Address	PORTLAND, OR 97204

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 17, 2033

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2023
Property Address	978 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6204
Document Number	0000155740
Map Reference	MAP 9410
Instrument Date	Jun 9, 2023
Instrument	2023-0155740
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	978 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6204

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	978 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6204
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 E MAIN ST, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000025302
Date	Jan 18, 2022
Instrument	2022-0025302

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	978 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6204
Document Number	0000437977
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Dec 5, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	978 E MAIN ST #A EL CAJON CA 920216204, A, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000437977
Date	Oct 22, 2018
Instrument	437977

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$404,591 (+2%) Land $145,014 Building $259,577
2025	$4,605.00 (+2.08%) Homeowner's exemption	$396,659 (+4.04%) Land $142,171 Building $254,488
2023	$4,511.00 (+1.6%) Homeowner's exemption	$381,258 Land $136,651 Building $244,607
2022	$4,440.00

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 541 locations within half a mile, as of December 31, 2025

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

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

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