1019 Winners Cir, Ramona, CA 92065 Property Records

San Diego County property record for 1019 Winners Cir, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 1999
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2015)
Tax Bill	$7,702 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284-320-71-00`

Property Details

APN / Parcel Number

Primary APN	`284-320-71-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,830 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	25,700 sqft (0.59 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1019 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 3 TR 013290
Legal Subdivision	COUNTY/SAN DIEGO 5064
Legal Tract	013290
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20813

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Dec 14, 2023	Intrafamily Transfer, Transfer
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Aug 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 19, 2015 · Amount on Record
Deed Sale	Nov 19, 2015 · Amount on Record
Prior Sale	Mar 25, 2014 · Amount on Record
Deed Document Number	2015600782
Last Transfer Date	Nov 30, 2023
Transfer Doc	0000344337
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 6, 2026
Property Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Document Number	0000228613
Instrument Date	Jul 31, 2026
Instrument	2026228613
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	1019 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000228613,
Date	Aug 6, 2026
Instrument	2026228613

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000363928
Date	Dec 26, 2025
Instrument	2025-0363928

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 14, 2023
Property Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Document Number	0000344337
Map Reference	MAP 13290
Instrument Date	Nov 30, 2023
Instrument	2023-0344337
Transaction Type	Transfer
Record Updated	Dec 25, 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 Living Trust
Address	1019 WINNERS CIR, RAMONA, CA 92065-3414

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000278606
Date	Jul 7, 2022
Instrument	2022-0278606

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	5-Year CMT
Max Rate	7.37%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1019 WINNERS CIR, RAMONA, CA 92065-3414
Document Number	0000381743
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1019 WINNERS CIR RAMONA CA 920653414, RAMONA, CA 92065-3414

Mortgage

Document Number	0000381743
Date	Sep 5, 2019
Instrument	381743

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	Sep 4, 2049

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		$649,240 (+2%) Land $188,169 Building $461,071
2025	$7,702.00 (+6.48%) Homeowner's exemption	$636,511 (+4.04%) Land $184,480 Building $452,031
2023	$7,233.00 (-1.26%) Homeowner's exemption	$611,796 Land $177,317 Building $434,479
2022	$7,325.00

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 at the parcel

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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