1011 Winners Cir, Ramona, CA 92065 Property Records

San Diego County property record for 1011 Winners Cir, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,129 sqft · built 1999
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$585,000 (May 2019)
Tax Bill	$7,872 (2025)
Deeds & Mortgages	Apr 2022 Second Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284-320-72-00`

Property Details

APN / Parcel Number

Primary APN	`284-320-72-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,129 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	26,572 sqft (0.61 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1011 WINNERS CIR
City	RAMONA
State	CA
Zip	92065-3414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 4 TR 013290
Legal Subdivision	COUNTY/SAN DIEGO 5064
Legal Tract	013290
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20813

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	1011 WINNERS CIR, RAMONA, CA 92065-3414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 29, 2019	Grant Deed, Transfer · Conventional with PMI SYNERGY ONE LNDG
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Prior Sale	Oct 13, 2014 · Amount on Record
Deed Document Number	2019204565
Prior Transfer Date	Apr 1, 2016
Prior Transfer Doc	0000152209
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000159312
Date	Apr 12, 2022
Instrument	2022-0159312

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 12, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233784
Date	May 7, 2020
Instrument	2020-0233784

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Non-Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000847046
Date	Dec 30, 2020
Instrument	2020-0847046

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 29, 2019
Property Address	1011 WINNERS CIR, RAMONA, CA 92065-3414
Document Number	0000204565
Instrument Date	May 1, 2019
Instrument	204565
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1011 WINNERS CIR RAMONA CA 920653414, RAMONA, CA 92065-3414

Mortgage

Document Number	204566
Date	May 29, 2019
Instrument	204566

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1011 WINNERS CIR, RAMONA, CA 92065-3414
Document Number	0000064687
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1011 WINNERS CIR RAMONA CA 920653414, RAMONA, CA 92065-3414

Mortgage

Document Number	0000064687
Date	Feb 20, 2018
Instrument	64687

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Interest

Rate Type	Adjustable Rate

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		$665,623 (+2%) Land $184,098 Building $481,525
2025	$7,872.00 (+6.44%) Homeowner's exemption	$652,573 (+4.04%) Land $180,489 Building $472,084
2023	$7,396.00 (-1.19%) Homeowner's exemption	$627,234 Land $173,481 Building $453,753
2022	$7,485.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 61% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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