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

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

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,360 sqft · built 1981
Lot Size	2.19 acres (95,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (May 2020)
Tax Bill	$4,378 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Aug 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`489-130-52-04`

Property Details

APN / Parcel Number

Primary APN	`489-130-52-04`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,360 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, C
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 4 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	2 Individual Names on Record
Mailing Address	978 E MAIN ST, C, EL CAJON, CA 92021-6204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Aug 22, 2018	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA
Aug 22, 2018	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA
Aug 22, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	2020268490
Prior Transfer Date	Jul 24, 2018
Prior Transfer Doc	0000346018
Record Updated	Sep 20, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 27, 2020
Property Address	978 E MAIN ST UNIT C, C, EL CAJON, CA 92021-6204
Document Number	0000268490
Instrument Date	May 5, 2020
Instrument	268490
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	978 E MAIN ST #C EL CAJON CA 920216204, C, EL CAJON, CA 92021-6204

Mortgage

Document Number	268491
Date	May 27, 2020
Instrument	268491

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 22, 2018
Property Address	978 E MAIN ST UNIT C, C, EL CAJON, CA 92021-6204
Document Number	0000346018
Instrument Date	Jul 24, 2018
Instrument	346018
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	WFG NATIONAL TITLE COMPANY/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3228 CLARK AVE LONG BEACH CA 908081708, LONG BEACH, CA 90808-1708

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 22, 2018
Property Address	978 E MAIN ST UNIT C, C, EL CAJON, CA 92021-6204
Document Number	0000346017
Instrument Date	Jul 24, 2018
Instrument	346017
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	WFG NATIONAL TITLE COMPANY/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	711 E OLD JULIAN HWY RAMONA CA 920652979, RAMONA, CA 92065-2979

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 22, 2018
Property Address	978 E MAIN ST UNIT C, C, EL CAJON, CA 92021-6204
Document Number	0000346019
Map Reference	MAP 9410
Instrument Date	Jul 17, 2018
Instrument	2018-0346019
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE COMPANY O

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	Community Property
Address	978 E MAIN ST UNIT C, C, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000346020
Date	Aug 22, 2018
Instrument	2018-0346020

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 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		$384,848 (+2%) Land $172,902 Building $211,946
2025	$4,378.00 (+2.08%) Homeowner's exemption	$377,303 (+4.04%) Land $169,512 Building $207,791
2023	$4,289.00 (+1.61%) Homeowner's exemption	$362,654 Land $162,931 Building $199,723
2022	$4,221.00

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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