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

San Diego County property record for 986 E Main St, Unit B, 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 Record
Last Sale	$320,000 (Oct 2018)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Oct 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`489-130-52-32`

Property Details

APN / Parcel Number

Primary APN	`489-130-52-32`

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	986 E MAIN ST, B
City	EL CAJON
State	CA
Zip	92021-6245
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2200
Legal Description	LOT 1 US 32PER 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 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	986 E MAIN ST, B, EL CAJON, CA 92021-6245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 29, 2018	Affidavit of Death, Transfer TICOR TITLE SAN DIEGO BR
Oct 29, 2018	Grant Deed, Transfer · Conventional Mortgage WORLD WIDE CREDIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Jun 29, 1995 · Amount on Record
Deed Document Number	2018451858
Prior Transfer Date	Jan 24, 2014
Prior Transfer Doc	0000034863
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	986 E MAIN ST UNIT B, B, EL CAJON, CA 92021-6245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000297030
Date	Jul 23, 2019
Instrument	2019-0297030

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2018
Property Address	986 E MAIN ST UNIT B, B, EL CAJON, CA 92021-6245
Document Number	0000451857
Instrument Date	Oct 19, 2018
Instrument	451857
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11283 E 38TH ST YUMA AZ 853677812, YUMA, AZ 85367-7812

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2018
Property Address	986 E MAIN ST UNIT B, B, EL CAJON, CA 92021-6245
Document Number	0000451858
Instrument Date	Oct 11, 2018
Instrument	451858
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 E MAIN ST #B EL CAJON CA 920216245, B, EL CAJON, CA 92021-6245

Mortgage

Document Number	451859
Date	Oct 29, 2018
Instrument	451859

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

Tax Assessment & Valuation

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		$364,099 (+2%) Land $126,006 Building $238,093
2025	$4,222.00 (+4.12%)	$356,961 (+4.04%) Land $123,536 Building $233,425
2023	$4,055.00 (+1.6%) Homeowner's exemption	$343,102 Land $118,740 Building $224,362
2022	$3,991.00

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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