1033 Heritage Ranch Rd, Ramona, CA 92065 Property Records

San Diego County property record for 1033 Heritage Ranch Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,284 sqft · built 2007
Lot Size	4.86 acres (212,137 sqft)
Owner	2 Company Names on Record
Last Sale	$575,000 (Feb 2011)
Tax Bill	$8,624 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-220-05-00`

Property Details

APN / Parcel Number

Primary APN	`279-220-05-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,284 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	212,137 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1033 HERITAGE RANCH RD
City	RAMONA
State	CA
Zip	92065-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 5 TR 015066
Legal Subdivision	SAN DIEGO 5244-1
Legal Tract	015066
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1039
Census Tract	20807

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 Company Names on Record
Mailing Address	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2011 · Amount on Record
Deed Sale	Feb 8, 2011 · Amount on Record
Prior Sale	Mar 10, 2010 · Amount on Record
Deed Document Number	201174620
Last Transfer Date	Aug 29, 2025
Transfer Doc	0000254439
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2025
Property Address	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Document Number	0000254439
Map Reference	MAP 15066
Instrument Date	Aug 29, 2025
Instrument	2025-0254439
Transaction Type	Transfer
Record Updated	Sep 25, 2025

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	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040

Mortgage

Document Number	0000579074
Date	Sep 29, 2020
Instrument	2020-0579074

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1033 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Document Number	0000068636
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1033 HERITAGE RANCH RD RAMONA CA 920651040, RAMONA, CA 92065-1040

Mortgage

Document Number	0000068636
Date	Feb 11, 2020
Instrument	68636

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

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		$809,435 (+2%) Land $163,344 Building $646,091
2025	$8,624.00 (+6.64%) Homeowner's exemption	$793,565 (+4.04%) Land $160,142 Building $633,423
2023	$8,087.00 (-0.83%) Homeowner's exemption	$762,751 Land $153,924 Building $608,827
2022	$8,155.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & 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

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

Wildfire Risk	Very High above 94% of the US · above 80% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, San Diego Broadband.

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