San Diego County property record for 9857 Chocolate Summit Dr, El Cajon, CA 92021
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,650 sqft · built 2005 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (Dec 2024) |
| Tax Bill | $17,080 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Feb 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402-140-46-00 |
| Primary APN | 402-140-46-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,650 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 108,900 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 9857 CHOCOLATE SUMMIT DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92021-2611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | SEC 18-15-2E SEQ DOC42025REC72 IN SEQ OF |
| Legal Range | 02E |
| Legal Township | 15 |
| Legal Section | 18 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 16812 |
Source: San Diego County assessment roll, 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 File |
|---|---|
| Mailing Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 9, 2024 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Feb 10, 2022 | Intrafamily Transfer, Transfer |
| Sep 17, 2021 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST |
| May 9, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on Record |
| Deed Sale | Dec 23, 2024 · Amount on Record |
| Prior Sale | Sep 17, 2021 · Amount on Record |
| Deed Document Number | 2024353654 |
| Prior Transfer Date | Jan 21, 2022 |
| Prior Transfer Doc | 0000063564 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000116013 |
|---|---|
| Date | May 9, 2024 |
| Instrument | 2024-0116013 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIMA, OH 45801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 10, 2022 |
| Property Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000063564 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022-0063564 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 17, 2021 |
| Property Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000660742 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021-0660742 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000660743 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021-0660743 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000537122 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2020-0537122 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | UTICA, NY 13505 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9857 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2611 |
| Document Number | 0000222174 |
| Instrument Date | May 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9857 CHOCOLATE SUMMIT DR EL CAJON CA 92021, EL CAJON, CA 92021 |
| Document Number | 0000222174 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 222174 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | EL CAJON, CA 92021 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Elementary School District | Cajon Valley Union Elementary School District (KG - 08) |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,479,000 (+2%) Land $765,000 Building $714,000 | |
| 2025 | $17,080.00 (+9.3%) Homeowner's exemption | $1,450,000 (+11.5%) Land $750,000 Building $700,000 |
| 2023 | $15,627.00 (+1.06%) Homeowner's exemption | $1,300,500 Land $688,500 Building $612,000 |
| 2022 | $15,463.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 96% of the US · above 84% of California |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PADRE DAM MWD serves 93,980 people · EPA ID CA3710037 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2022 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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