San Diego County property record for 9874 Chocolate Summit Dr, El Cajon, CA 92021
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 967 sqft · built 1958 |
| Lot Size | 4.85 acres (211,266 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $990,000 (May 2026) |
| Tax Bill | $4,558 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Nov 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402-140-13-00 |
| Primary APN | 402-140-13-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 967 sqft Living Area |
| Gross Area | 588 sqft |
| Basement Area | 588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 211,266 sqft |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 9874 CHOCOLATE SUMMIT DR |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92021-2610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | SEC 18-15-2E SE 1/4 4.85 AC PAR AS PER ROS 4080 IN SE 1/4 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 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 | 9874 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 28, 2026 | Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Nov 3, 2021 | Intrafamily Transfer, Transfer TICOR TITLE COMPANY OF CA |
| Nov 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Mar 11, 2013 · Amount on Record |
| Deed Document Number | 2026152750 |
| Prior Transfer Date | Nov 1, 2021 |
| Prior Transfer Doc | 0000764035 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 28, 2026 |
| Property Address | 9874 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2610 |
| Document Number | 0000152750 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026152750 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $109,989.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9874 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2610 |
| Document Number | 0000152751, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 2026152751 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 3, 2021 |
| Property Address | 9874 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2610 |
| Document Number | 0000764035 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021-0764035 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | TICOR TITLE COMPANY OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 9670 RAMSGATE WAY, SANTEE, CA 92071-2825 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 2, 2021 |
| Property Address | 9874 CHOCOLATE SUMMIT DR, EL CAJON, CA 92021-2610 |
| Document Number | 0000763677 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021-0763677 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2021 |
| Title Company | TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9670 RAMSGATE WAY, SANTEE, CA 92071-2825 |
| Investor | Possibly a Property Investor |
| Document Number | 0000763678 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2021-0763678 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
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 | $376,807 (+2%) Land $251,207 Building $125,600 | |
| 2025 | $4,558.00 (+2.08%) | $369,420 (+4.04%) Land $246,282 Building $123,138 |
| 2023 | $4,465.00 (+1.62%) | $355,076 Land $236,719 Building $118,357 |
| 2022 | $4,394.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 Fixed Wireless | 100 / 20 |
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