1046 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 1046 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	1,660 sqft · built 2000
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Company Names on Record
Last Sale	$635,000 (Oct 2023)
Tax Bill	$4,975 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`280-062-03-00`

Property Details

APN / Parcel Number

Primary APN	`280-062-03-00`

Interior

Building Area	1,660 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	219,542 sqft (5.04 acres)

Location & Zoning

Street Address	1046 ELM ST
City	RAMONA
State	CA
Zip	92065-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 376 S 1/2 OF NW 1/4 & N 6.5 FT OF E 1/2 OF SW 1/4 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	376
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1007
Census Tract	20812

Owner

Source: San Diego County records, as of October 13, 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	1046 ELM ST, RAMONA, CA 92065-1429
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Oct 17, 2023	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	2023283315
Prior Transfer Date	Mar 30, 2006
Prior Transfer Doc	0000250482
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2026
Property Address	1046 ELM ST, RAMONA, CA 92065-1429
Document Number	0000270922
Instrument Date	Sep 9, 2026
Instrument	2026270922
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1046 ELM ST, RAMONA, CA 92065-1429

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 17, 2023
Property Address	1046 ELM ST, RAMONA, CA 92065-1429
Document Number	0000283315
Map Reference	MAP 644
Instrument Date	Sep 8, 2023
Instrument	2023-0283315
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	FIDELITY NATIONAL TITLE

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	Tenants in Common
Address	1046 ELM ST, RAMONA, CA 92065-1429

Mortgage

Document Number	0000283316
Date	Oct 17, 2023
Instrument	2023-0283316

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

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		$457,099 (+2%) Land $370,816 Building $86,283
2025	$4,975.00 (+520.32%) Homeowner's exemption	$448,138 (+555.81%) Land $363,546 Building $84,592
2023	$802.00 (-17.83%) Homeowner's exemption	$68,333 Land $28,391 Building $39,942
2022	$976.00

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
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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 84% of the US · above 64% of California
Wildfire Likelihood	0.7% annual chance
Exposure	None beyond 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	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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Cox Communications, Verizon.

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