1005 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 1005 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,995 sqft · built 2003
Lot Size	4.76 acres (207,781 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,155,500 (Apr 2025)
Tax Bill	$7,578 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`280-063-07-00`

Property Details

APN / Parcel Number

Primary APN	`280-063-07-00`
Alternative APN	`2800630300`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Building Area	2,995 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	207,781 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2800630300
Street Address	1005 ELM ST
City	RAMONA
State	CA
Zip	92065-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 376 PAR B PER DOC01-062767 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	376
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20812

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	2 Individual Names on Record
Mailing Address	1005 ELM ST, RAMONA, CA 92065-1428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage LOANDEPOT.COM LLC
Feb 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WATERMARK CAPITAL INC
Aug 18, 2020	Quit Claim Deed, Transfer LOANDEPOT.COM LLC
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 31, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on Record
Deed Sale	Apr 9, 2025 · Amount on Record
Prior Sale	Dec 7, 2012 · Amount on Record
Deed Document Number	202591075
Prior Transfer Date	Jan 13, 2021
Prior Transfer Doc	0000080050
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1005 ELM ST, RAMONA, CA 92065-1428
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 ELM ST, RAMONA, CA 92065-1428

Mortgage

Document Number	0000004493
Date	Jan 8, 2024
Instrument	2024-0004493

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 27, 2053

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2021
Property Address	1005 ELM ST, RAMONA, CA 92065-1428
Document Number	0000080050
Map Reference	MAP 644
Instrument Date	Jan 13, 2021
Instrument	2021-0080050
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1005 ELM ST, RAMONA, CA 92065-1428

Mortgage

Document Number	0000080051
Date	Feb 2, 2021
Instrument	2021-0080051

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2020
Property Address	1005 ELM ST, RAMONA, CA 92065-1428
Document Number	0000462863
Instrument Date	Aug 3, 2020
Instrument	462863
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1005 ELM ST RAMONA CA 920651428, RAMONA, CA 92065-1428

Mortgage

Document Number	462864
Date	Aug 18, 2020
Instrument	462864

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1005 ELM ST, RAMONA, CA 92065-1428
Document Number	0000005924
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 ELM ST RAMONA CA 920651428, RAMONA, CA 92065-1428

Mortgage

Document Number	0000005924
Date	Jan 7, 2020
Instrument	5924

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2017
Property Address	1005 ELM ST, RAMONA, CA 92065-1428
Document Number	0000049390
Instrument Date	Jan 24, 2017
Instrument	49390
Transaction Type	Transfer
Record Updated	Feb 6, 2017
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 ELM ST RAMONA CA 920651428, RAMONA, CA 92065-1428

Mortgage

Document Number	49391
Date	Jan 31, 2017
Instrument	49391

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,178,610 (+67.82%) Land $612,000 Building $566,610
2025	$7,578.00 (+4.8%)	$702,288 (+4.04%) Land $215,493 Building $486,795
2023	$7,231.00 (+0.95%)	$675,019 Land $207,126 Building $467,893
2022	$7,163.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 84% of the US · above 64% of California
Wildfire Likelihood	0.7% annual chance
Exposure	None beyond 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	RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	2 ppb (2023–2025) 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Cox Communications, Verizon.

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