1010 Hwy 78, Ramona, CA 92065 Property Records

San Diego County property record for 1010 Hwy 78, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1978
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (May 2022)
Tax Bill	$8,708 (2025)
Deeds & Mortgages	May 2022 Transfer May 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`280-041-41-00`

Property Details

APN / Parcel Number

Primary APN	`280-041-41-00`
Alternative APN	`2800411400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	74,052 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2800411400
Street Address	1010 HIGHWAY 78
City	RAMONA
State	CA
Zip	92065-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 370 1.70 AC M/L IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	370
Legal Lot Number	370
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2017
Census Tract	20801

Owner

1010 Hwy 78 is owned and occupied by two individuals who bought it in May 2022.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
May 6, 2022	Grant Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Mar 4, 2022	Grant Deed, Transfer
May 26, 2021	Intrafamily Transfer, Transfer
Aug 22, 2017	Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK
Jan 31, 2017	Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	May 5, 2015
Deed Document Number	2022198370
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	0000198369
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 6, 2022
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Document Number	0000198369
Map Reference	MAP 644
Instrument Date	May 5, 2022
Instrument	2022-0198369
Transaction Type	Transfer
Record Updated	May 13, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	9255 RONDA AVE, SAN DIEGO, CA 92123-3514

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 6, 2022
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Document Number	0000198370
Map Reference	MAP 644
Instrument Date	Mar 31, 2022
Instrument	2022-0198370
Transaction Type	Transfer
Record Updated	May 13, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2022
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Document Number	0000097916
Map Reference	MAP 644
Instrument Date	Feb 22, 2022
Instrument	2022-0097916
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3991 MACARTHUR BLVD STE 350, 350, NEWPORT BEACH, CA 92660-3041

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2021
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Document Number	0000396510
Map Reference	MAP 644
Instrument Date	Mar 26, 2021
Instrument	2021-0396510
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	1307 S COURTRIGHT ST, ANAHEIM, CA 92804-4811

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000382900
Date	Aug 22, 2017
Instrument	2017-0382900

Lender

Name	CBC NATIONAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1010 HIGHWAY 78, RAMONA, CA 92065-1000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048990
Date	Jan 31, 2017
Instrument	2017-0048990

Lender

Name	CBC NATIONAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Hwy 78 was $8,708.

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		$817,230 (+2%) Land $541,212 Building $276,018
2025	$8,708.00	$801,206 Land $530,600 Building $270,606
2023	$7,323.00 (+83.99%)	$690,000 Land $456,000 Building $234,000
2022	$3,980.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1010 Hwy 78 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	5 in force
Nearby Flood Claims	2 (1980–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2017 · rainfall accumulation

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

Wildfire risk around 1010 Hwy 78 is very high, ranking above 91% 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 91% of the US · above 75% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

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.

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 78

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