1045 Winners Cir, Ramona, CA 92065 Property Records

San Diego County property record for 1045 Winners Cir, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,967 sqft · built 1998
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jul 2011)
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284-320-70-00`

Property Details

APN / Parcel Number

Primary APN	`284-320-70-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,967 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	26,136 sqft (0.6 acres)
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	1045 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 2 TR 013290
Legal Subdivision	SAN DIEGO #5064
Legal Tract	013290
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20813

Owner

1045 Winners Cir is owned and occupied by two individuals who bought it in July 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1045 WINNERS CIR, RAMONA, CA 92065-3414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit SYNERGY ONE LENDING
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2011 · Amount on File
Deed Sale	Jul 27, 2011 · Amount on File
Prior Sale	Apr 28, 2000 · Amount on File
Deed Document Number	2011379685
Prior Transfer Date	Aug 7, 1998
Prior Transfer Doc	0000628628
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1045 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000341192
Date	Aug 25, 2022
Instrument	2022-0341192

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1045 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000605429
Date	Oct 7, 2020
Instrument	2020-0605429

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1045 WINNERS CIR, RAMONA, CA 92065-3414
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WINNERS CIR, RAMONA, CA 92065-3414

Mortgage

Document Number	0000002565
Date	Jan 4, 2022
Instrument	2022-0002565

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Winners Cir was $6,546 with a homeowner's exemption.

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		$534,090 (+2%) Land $126,762 Building $407,328
2025	$6,546.00 Homeowner's exemption	$523,619 Land $124,277 Building $399,342
2023	$6,089.00 (-2.34%) Homeowner's exemption	$503,288 Land $119,452 Building $383,836
2022	$6,235.00

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

Flood

FEMA maps place 1045 Winners Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1045 Winners Cir is moderate, ranking above 64% of the US, with a 0.3% annual chance of 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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