1049 Montecito Way, Ramona, CA 92065 Property Records

San Diego County property record for 1049 Montecito Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,196 sqft · built 1999
Lot Size	2.56 acres (111,514 sqft)
Owner	Company Name on Record
Last Sale	$650,000 (Dec 2018)
Tax Bill	$7,888 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`281-520-68-00`

Property Details

APN / Parcel Number

Primary APN	`281-520-68-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,196 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	111,514 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1049 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 1 (EX ST) TR PM16568
Legal Tract	1016568
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	1049 MONTECITO WAY, RAMONA, CA 92065-1626
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Intrafamily Transfer, Transfer
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Dec 20, 2018	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Jun 23, 1998 · Amount on Record
Deed Document Number	2018522458
Last Transfer Date	Nov 16, 2022
Transfer Doc	0000445933
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 22, 2022
Property Address	1049 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000445933
Instrument Date	Nov 16, 2022
Instrument	2022-0445933
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	1049 MONTECITO WAY, RAMONA, CA 92065-1626

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1049 MONTECITO WAY, RAMONA, CA 92065-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279324
Date	Jul 12, 2019
Instrument	2019-0279324

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	ANAHEIM, CA 92815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2018
Property Address	1049 MONTECITO WAY, RAMONA, CA 92065-1626
Document Number	0000522458
Instrument Date	Nov 20, 2018
Instrument	2018-0522458
Transaction Type	Transfer
Record Updated	Aug 24, 2021
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	Joint Tenants
Address	1049 MONTECITO WAY, RAMONA, CA 92065-1626

Mortgage

Document Number	0000522459
Date	Dec 20, 2018
Instrument	2018-0522459

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$739,582 (+2%) Land $455,129 Building $284,453
2025	$7,888.00 (+7.42%) Homeowner's exemption	$725,081 (+4.04%) Land $446,205 Building $278,876
2023	$7,343.00 (-1.56%) Homeowner's exemption	$696,927 Land $428,879 Building $268,048
2022	$7,459.00

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.

Nearby Properties on Montecito Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures