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

San Diego County property record for 986 E Main St, Unit A, El Cajon, CA 92021

Property Summary

Property TypeCondominium
Details3 bd · 2.5 ba · 1,525 sqft · built 1981
Lot Size2.19 acres (95,787 sqft)
OwnerCompany Name on Record
Tax Bill$2,621 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN489-130-52-33

Property Details

APN / Parcel Number

Primary APN489-130-52-33

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,525 sqft Living Area

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleCondo/Apartment
Lot Area95,787 sqft
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address986 E MAIN ST, A
CityEL CAJON
StateCA
Zip92021-6245
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeRM-2200
Legal DescriptionLOT 1 US 33PER DOC80-186586&232777&UND INT IN TR 009410
Legal SubdivisionPEPPER OAK
Legal Tract009410
Legal Block2
Legal Lot Number1
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group2
Census Block2000
Census Tract15701

Owner

Source: San Diego County records, 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 RecordCompany Name on Record
Mailing Address986 E MAIN ST, A, EL CAJON, CA 92021-6245
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2026Deed of Trust, Mortgage · Line of Credit
MISSION FEDERAL CREDIT UNION
Dec 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 18, 2003
Deed SaleFeb 18, 2003
Prior SaleNov 20, 1990 · Amount on Record
Deed Document Number2003182650
Prior Transfer DateDec 19, 2002
Prior Transfer Doc0000186508
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Recording DateJul 17, 2026
Property Address986 E MAIN ST, EL CAJON, CA 92021-6291
Document Number0000205681
Instrument DateJul 13, 2026
Instrument2026205681
Transaction TypeMortgage
Record UpdatedJul 27, 2026
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust, 212
Address986 E MAIN ST, EL CAJON, CA 92021-6291

Mortgage

Document Number0000205681,
DateJul 17, 2026
Instrument2026205681
Lender
NameMISSION FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJul 31, 2051
Interest
Rate6.52%
Max Rate-1%

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address986 E MAIN ST UNIT A, A, EL CAJON, CA 92021-6245
Transaction TypeMortgage
Record UpdatedJan 3, 2022
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address986 E MAIN ST A, A, EL CAJON, CA 92021-6245

Mortgage

Document Number0000859085
DateDec 22, 2021
Instrument2021-0859085
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEl Cajon City
Elementary School DistrictCajon Valley Union Elementary School District (KG - 08)
Secondary School DistrictGrossmont Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$231,770 (+2%) Land $68,155 Building $163,615
2025$2,621.00 (+2.18%) Homeowner's exemption$227,226 (+4.04%) Land $66,819 Building $160,407
2023$2,565.00 (+1.62%) Homeowner's exemption$218,404 Land $64,225 Building $154,179
2022$2,524.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemHELIX WATER DISTRICT
serves 277,918 people · EPA ID CA3710010
Water SourceSurface water
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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