10194 Ramona Dr, Spring Valley, CA 91977 Property Records

San Diego County property record for 10194 Ramona Dr, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,556 sqft · built 1957
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on File
Last Sale	$681,000 (Sep 2020)
Tax Bill	$7,340 (2025)
Deeds & Mortgages	May 2024 Line of Credit May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`501-195-05-00`

Property Details

APN / Parcel Number

Primary APN	`501-195-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,556 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	16,200 sqft (0.372 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	10194 RAMONA DR
City	SPRING VALLEY
State	CA
Zip	91977-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 14 W 71 FT OF E 142 FT TR 002194
Legal Subdivision	ELYSIAN KNOLLS AVOCADO ESTATES
Legal Tract	002194
Legal Block	3
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3010
Census Tract	13601

Owner

10194 Ramona Dr is owned and occupied by two individuals who bought it in September 2020.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 13, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 3, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 8, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 4, 2020	Grant Deed, Transfer · VA Mortgage CMG MORTGAGE INC
May 5, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
May 5, 2017	Grant Deed, Transfer · VA Mortgage BENCHMARK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	May 5, 2017 · Amount on File
Deed Document Number	2020517882
Prior Transfer Date	Dec 5, 1996
Prior Transfer Doc	0000622408
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806

Mortgage

Document Number	0000118891
Date	May 13, 2024
Instrument	2024-0118891

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806

Mortgage

Document Number	0000190717
Date	May 3, 2022
Instrument	2022-0190717

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806

Mortgage

Document Number	0000704175
Date	Oct 8, 2021
Instrument	2021-0704175

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2020
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Document Number	0000517882
Map Reference	MAP 2194
Instrument Date	Aug 24, 2020
Instrument	2020-0517882
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Community Property
Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806

Mortgage

Document Number	0000517883
Date	Sep 4, 2020
Instrument	2020-0517883

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2017
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Document Number	0000202847
Instrument Date	May 4, 2017
Instrument	202847
Transaction Type	Transfer
Record Updated	May 11, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	10194 RAMONA DR SPRING VALLEY CA 919771806, SPRING VALLEY, CA 91977-1806

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2017
Property Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806
Document Number	0000202848
Map Reference	MAP2194
Instrument Date	Apr 4, 2017
Instrument	2017-0202848
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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
Address	10194 RAMONA DR, SPRING VALLEY, CA 91977-1806

Mortgage

Document Number	0000202849
Date	May 5, 2017
Instrument	2017-0202849

Lender

Name	BENCHMARK MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 10194 Ramona Dr was $7,340 with a veteran's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$751,877 (+2%) Land $276,020 Building $475,857
2025	$7,340.00	$737,135 Land $270,608 Building $466,527
2023	$6,948.00 (+0.16%)	$708,512 Land $260,100 Building $448,412
2022	$6,937.00

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

Flood

FEMA maps place 10194 Ramona Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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
Nearby Flood Claims	3 (2017–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2024 · Severe Storm And Flooding

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

The area around 10194 Ramona Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) 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 471 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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