1070 Heritage Ranch Rd, Ramona, CA 92065 Property Records

San Diego County property record for 1070 Heritage Ranch Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,300 sqft · built 2008
Lot Size	6.11 acres (266,152 sqft)
Owner	Company Name on Record
Last Sale	$1,620,000 (Jun 2023)
Tax Bill	$18,078 (2025)
Deeds & Mortgages	Jun 2023 Sale Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-220-11-00`

Property Details

APN / Parcel Number

Primary APN	`279-220-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,300 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	266,152 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1070 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 11 TR 015066
Legal Subdivision	RAMONA 5244-1
Legal Tract	015066
Legal Block	1
Legal Lot Number	11
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	Company Name on Record
Mailing Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Grant Deed, Transfer CHICAGO TITLE COMPANY
Sep 27, 2021	Intrafamily Transfer, Transfer · Line of Credit GEORGIAS OWN CU
Sep 27, 2021	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Sep 27, 2021 · Amount on Record
Deed Document Number	2023158020
Prior Transfer Date	Sep 2, 2021
Prior Transfer Doc	0000678404
Record Updated	Sep 20, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2023
Property Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Document Number	0000158020
Map Reference	MAP 15066
Instrument Date	May 17, 2023
Instrument	2023-0158020
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Trust
Address	15736 E BLUFF CV, SAN DIEGO, CA 92131-4311

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2021
Property Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Document Number	0000678404
Map Reference	MAP 15066
Instrument Date	Sep 2, 2021
Instrument	2021-0678404
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	WFG TITLE CO OF CA SAN DIEGO

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
Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040

Mortgage

Document Number	0000678406
Date	Sep 27, 2021
Instrument	2021-0678406

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2021
Property Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040
Document Number	0000678403
Map Reference	MAP 15066
Instrument Date	Sep 2, 2021
Instrument	2021-0678403
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

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
Address	1070 HERITAGE RANCH RD, RAMONA, CA 92065-1040

Mortgage

Document Number	0000678405
Date	Sep 27, 2021
Instrument	2021-0678405

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$1,719,156 (+2%) Land $955,087 Building $764,069
2025	$18,078.00 (+18.09%) Homeowner's exemption	$1,685,448 (+17.19%) Land $936,360 Building $749,088
2023	$15,309.00 (+0.24%)	$1,438,200 (+2%) Land $714,000 Building $724,200
2022	$15,272.00	$1,410,000 Land $700,000 Building $710,000

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 91% of the US · above 75% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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