1078 5th St, Ramona, CA 92065 Property Records

San Diego County property record for 1078 5th St, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,038 sqft · built 1974
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Feb 2021)
Tax Bill	$10,998 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284-260-11-00`

Property Details

APN / Parcel Number

Primary APN	`284-260-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,038 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	46,609 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	1078 5TH ST
City	RAMONA
State	CA
Zip	92065-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR 4 TR PM01373
Legal Subdivision	RAMONA
Legal Tract	1373
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1000
Census Tract	20813

Owner

Source: San Diego County records · APN 284-260-11-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1078 5TH ST, RAMONA, CA 92065-2910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 18, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 04, 2021	Grant Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 04, 2021 · Amount on Record
Deed Sale	Feb 04, 2021 · Amount on Record
Prior Sale	Jul 29, 1991 · Amount on Record
Deed Document Number	202188857
Prior Transfer Date	Dec 04, 1997
Prior Transfer Doc	0000650727
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 5TH ST, RAMONA, CA 92065-2910
Transaction Type	Mortgage
Record Updated	Nov 07, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 5TH ST, RAMONA, CA 92065-2910

Mortgage

Document Number	0000302986
Date	Oct 29, 2025
Instrument	2025-0302986

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 5TH ST, RAMONA, CA 92065-2910
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000291235
Date	Jul 18, 2019
Instrument	2019-0291235

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 17, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 04, 2021
Property Address	1078 5TH ST, RAMONA, CA 92065-2910
Document Number	0000088857
Map Reference	FILE 73-061392
Instrument Date	Nov 06, 2020
Instrument	2021-0088857
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE COMPANY IRVINE

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	1078 5TH ST, RAMONA, CA 92065-2910

Mortgage

Document Number	0000088858
Date	Feb 04, 2021
Instrument	2021-0088858

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$855,659 (+2%) Land $241,641 Building $614,018
2025	$10,998.00 (+5.33%) Homeowner's exemption	$838,882 (+4.04%) Land $236,903 Building $601,979
2023	$10,441.00 (-0.58%) Homeowner's exemption	$806,308 Land $227,704 Building $578,604
2022	$10,502.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208131, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	About 1 in 164 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 175 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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