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

San Diego County property record for 978 E Main St, Unit F, 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	Individual Name on File
Last Sale	$360,000 (Nov 2018)
Tax Bill	$4,745 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`489-130-52-01`

Property Details

APN / Parcel Number

Primary APN	`489-130-52-01`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	95,787 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	978 E MAIN ST, F
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 1 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

978 E Main St, Unit F is owned and occupied by an individual who bought it in November 2018.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	978 E MAIN ST, F, EL CAJON, CA 92021-6204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jan 27, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Nov 27, 2018	Grant Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Dec 6, 2018	Quit Claim Deed, Transfer LAWYERS TITLE
Nov 1, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Nov 1, 2018 · Amount on File
Deed Document Number	2018489474
Prior Transfer Date	Jul 13, 1997
Prior Transfer Doc	0000361401
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 E MA1N ST #F F, F, EL CAJON, CA 92021

Mortgage

Document Number	0000839386
Date	Dec 29, 2020
Instrument	2020-0839386

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204
Document Number	0000056622
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	978 E MAIN ST #F EL CAJON CA 920216204, F, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000056622
Date	Feb 4, 2020
Instrument	56622

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2018
Property Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204
Document Number	0000489474
Map Reference	MAP 9410
Instrument Date	Nov 9, 2018
Instrument	2018-0489474
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount 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
Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204

Mortgage

Document Number	0000489475
Date	Nov 27, 2018
Instrument	2018-0489475

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 6, 2018
Property Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204
Document Number	0000501933
Instrument Date	Nov 7, 2018
Instrument	501933
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	LAWYERS TITLE

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	978 E MAIN ST #F EL CAJON CA 920216204, F, EL CAJON, CA 92021-6204

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 1, 2018
Property Address	978 E MAIN ST UNIT F, F, EL CAJON, CA 92021-6204
Document Number	0000459073
Instrument Date	May 30, 2018
Instrument	459073
Transaction Type	Foreclosure
Record Updated	Nov 13, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$291.72
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 E MAIN ST EL CAJON CA 920216204, EL CAJON, CA 92021-6204

Tax Assessment & Valuation

The 2025 property tax bill for 978 E Main St, Unit F was $4,745.

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		$409,614 (+2%) Land $204,807 Building $204,807
2025	$4,745.00	$401,584 Land $200,792 Building $200,792
2023	$4,651.00 (+1.57%)	$385,992 Land $192,996 Building $192,996
2022	$4,579.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 978 E Main St, Unit F in Zone X, an area of minimal flood risk.

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

The area around 978 E Main St, Unit F has no burnable land within ember reach, so its wildfire risk is not rated.

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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