1028 Ash St, Ramona, CA 92065 Property Records

San Diego County property record for 1028 Ash St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,229 sqft · built 1993
Lot Size	4.38 acres (191,228 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Mar 2023)
Tax Bill	$10,357 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-082-09-00`

Property Details

APN / Parcel Number

Primary APN	`280-082-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,229 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	191,228 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1028 ASH ST
City	RAMONA
State	CA
Zip	92065-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 208 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	208
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1000
Census Tract	20806

Owner

Source: San Diego County records, as of July 21, 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	1028 ASH ST, RAMONA, CA 92065-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Mar 14, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 31, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Oct 9, 1991 · Amount on Record
Deed Document Number	202365185
Prior Transfer Date	Apr 19, 2022
Prior Transfer Doc	0000228457
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2026
Property Address	1028 ASH ST, RAMONA, CA 92065-1308
Document Number	0000111640
Instrument Date	Apr 17, 2026
Instrument	2026111640
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE - SAN DIEGO BRAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1028 ASH ST, RAMONA, CA 92065-1308

Mortgage

Document Number	0000111640,
Date	Apr 22, 2026
Instrument	2026111640

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 14, 2023
Property Address	1028 ASH ST, RAMONA, CA 92065-1308
Document Number	0000065185
Map Reference	MAP 643
Instrument Date	Feb 14, 2023
Instrument	2023-0065185
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO CA

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	1028 ASH ST, RAMONA, CA 92065-1308

Mortgage

Document Number	0000065186
Date	Mar 14, 2023
Instrument	2023-0065186

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.37%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	8.37%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2022
Property Address	1028 ASH ST, RAMONA, CA 92065-1308
Document Number	0000228457
Map Reference	MAP 643
Instrument Date	Apr 19, 2022
Instrument	2022-0228457
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	Family Trust
Address	227 PRETTY SUNSET TER, HENDERSON, NV 89015-2758

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$970,690 (+2%) Land $454,014 Building $516,676
2025	$10,357.00 (+2.02%)	$951,658 (+114.19%) Land $445,112 Building $506,546
2024	$10,152.00 (+111.94%)
2023	$4,790.00 (-2.42%)	$444,302 Land $203,946 Building $240,356
2022	$4,909.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Claims	3 (1995–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 89% of the US · above 71% of California
Wildfire Likelihood	1% 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 58 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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