1047 Montecito Way, Ramona, CA 92065 Property Records

San Diego County property record for 1047 Montecito Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 830 sqft · built 1990
Lot Size	3.63 acres (158,123 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (Dec 2018)
Tax Bill	$5,589 (2025)
Deeds & Mortgages	May 2024 Mortgage Jan 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`281-520-70-00`

Property Details

APN / Parcel Number

Primary APN	`281-520-70-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	830 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Roof Material	Composition Shingle
Lot Area	158,123 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1047 MONTECITO WAY
City	RAMONA
State	CA
Zip	92065-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 (EX ST) TR PM16568
Legal Subdivision	PARCEL MAP 16568
Legal Tract	16568
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2015
Census Tract	20801

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	Company Name on Record
Mailing Address	633 MONTECITO WAY, RAMONA, CA 92065-1620
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jan 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 7, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Feb 15, 2017	Quit Claim Deed, Transfer SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Jun 9, 1998 · Amount on Record
Deed Document Number	2018504464
Last Transfer Date	Dec 24, 2018
Transfer Doc	0000002237
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626

Mortgage

Document Number	0000120691
Date	May 14, 2024
Instrument	2024-0120691

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2019
Property Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000002237
Instrument Date	Dec 24, 2018
Instrument	2237
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1047 MONTECITO WAY RAMONA CA 920651626, RAMONA, CA 92065-1626

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 3, 2019
Property Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000002236
Instrument Date	Dec 24, 2018
Instrument	2236
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1047 MONTECITO WAY RAMONA CA 920651626, RAMONA, CA 92065-1626

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2018
Property Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000504464
Instrument Date	Nov 13, 2018
Instrument	504464
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$495.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1047 MONTECITO WAY RAMONA CA 920651626, RAMONA, CA 92065-1626

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 15, 2017
Property Address	1047 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000076766
Instrument Date	Feb 7, 2017
Instrument	76766
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1049 MONTECITO WAY RAMONA CA 920651626, RAMONA, CA 92065-1626

Mortgage

Document Number	76767
Date	Feb 15, 2017
Instrument	76767

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

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		$512,014 (+2%) Land $211,067 Building $300,947
2025	$5,589.00 (+7.92%)	$501,976 (+4.04%) Land $206,929 Building $295,047
2023	$5,179.00 (-2.12%)	$482,486 Land $198,895 Building $283,591
2022	$5,291.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1980–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2017 · rainfall accumulation

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 93% of the US · above 77% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Cox Communications, Verizon.

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