See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

121 S Stephanie Ln, El Cajon, CA, 92019

4beds
3baths
1,670sqft
$849,900
$509price/sqft
$5,933/moest. monthly cost
$237,320/yrincome needed

About This Home

BOM - Buyer unable to perform, no fault of seller or property. Charming single story house with detached granny flat & Bathroom (main home 3/2,granny/studio1/1) boasts open & remodeled kitchen , new windows throughout most of home, adorable breakfast nook , newly remodel bathrooms with walk in shower , original hardwood and laminate flooring , large family backyard perfect for bbq's complete with pool and solar panels.

Getting Around

51
WalkingSomewhat Walkable
37
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

4/10
2/10
Montgomery Middle SchoolGrades 6-80.5 mi
6/10
Granite Hills High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1957

Materials

  • Roof: Shingle
  • Construction materials: Wood/Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Solar Panels,Electric Oven,Electric Cooking
  • Laundry features: Electric,Gas,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 1,670
  • Total interior livable area: 1,670 sqft

Property

Details

  • Parcel number: 5115202700
  • Special condition: Standard

Features

  • Levels: 1 Story
  • Pool features: Below Ground
  • Fencing: Wood

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 6
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,297$51,564
Home Insurance *$196$2,352
Property Taxes $1,042$12,504
Electricity $398$4,786
Total$5,933$71,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,417/yr
40% on housing$177,990/yr
45% on housing$158,213/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$509This listing

vs Other Active Listings

Avg $/sqft

ZIP 92019$343
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92019$522
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-06Price change$839,000
2026-08-03Price change$849,900
2026-07-21Price change$875,000
2026-07-06Listed for sale$899,000
2026-06-30Pending sale$899,000
2026-06-09Price change$899,000
2026-06-04Price change$919,000
2026-05-29Pending sale$898,000
2026-05-26Price change$898,000
2026-05-15Listed for sale$899,000
2018-10-17Sold$495,000
2018-09-11Price change$499,000
2018-08-31Listed for sale$549,000

For Sale by Agent

AgentEnrique A Torres Saric
BrokerageUSAFC Realty

Similar Homes