San Diego County property record for 9977 Dunbar Ln, El Cajon, CA 92021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,136 sqft · built 1965 |
| Lot Size | 0.405 acres (17,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $785,000 (May 2024) |
| Tax Bill | $9,444 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402-120-45-00 |
| Primary APN | 402-120-45-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,136 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 17,663 sqft (0.405 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 9977 DUNBAR LN |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92021-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | SEC 18-15-2E W Q (EX RD)DOC74-106633 IN |
| Legal Range | 02E |
| Legal Township | 15 |
| Legal Section | 18 |
| Legal Subdivision | SAN DIEGO |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 16812 |
9977 Dunbar Ln is owned and occupied by an individual who bought it in May 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC |
| Mar 16, 2020 | Grant Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on File |
| Deed Sale | May 28, 2024 · Amount on File |
| Prior Sale | Mar 16, 2020 · Amount on File |
| Deed Document Number | 2024132616 |
| Prior Transfer Date | Dec 1, 1998 |
| Prior Transfer Doc | 0000818242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Document Number | 0000279295 |
|---|---|
| Date | Oct 7, 2025 |
| Instrument | 2025-0279295 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Document Number | 0000339401 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021-0339401 |
| Name | AXIA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | BELLEVUE, WA 98004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 16, 2020 |
| Property Address | 9977 DUNBAR LN, EL CAJON, CA 92021-2625 |
| Document Number | 0000135533 |
| Instrument Date | Feb 29, 2020 |
| Instrument | 2020-0135533 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2646 ALPINE BLVD UNIT B, B, ALPINE, CA 91901-2223 |
| Document Number | 0000135534 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 2020-0135534 |
| Name | AXIA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 9977 Dunbar Ln was $9,444 with a homeowner's exemption.
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 | $816,714 (+2%) Land $520,200 Building $296,514 | |
| 2025 | $9,444.00 Homeowner's exemption | $800,700 Land $510,000 Building $290,700 |
| 2023 | $5,917.00 (+1.63%) | $483,539 Land $357,399 Building $126,140 |
| 2022 | $5,822.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 9977 Dunbar Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 9977 Dunbar Ln is very high, ranking above 93% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 93% of the US · above 77% 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 84 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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