1078 7th St, #A, Ramona, CA 92065 Property Records

San Diego County property record for 1078 7th St, #A, Ramona, CA 92065

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3.5 ba · 2,528 sqft · built 1974
Lot Size	0.568 acres (24,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Sep 1994)
Tax Bill	$2,878 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`284-246-11-00`

Property Details

APN / Parcel Number

Primary APN	`284-246-11-00`
Alternative APN	`6680971800`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	2 Units
Building Area	2,528 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Lot Area	24,721 sqft (0.568 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	6680971800
Street Address	1078 7TH ST, A
City	RAMONA
State	CA
Zip	92065-2810
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RR
Legal Description	BLK 511 SLY H OF TR 000643
Legal Subdivision	RAMONA
Legal Tract	000643
Legal Block	511
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1001
Census Tract	20813

Owner

Source: San Diego County records, as of September 28, 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 Record
Mailing Address	1078 7TH ST, RAMONA, CA 92065-2810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 25, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 1994 · Amount on Record
Deed Sale	Sep 23, 1994 · Amount on Record
Deed Document Number	1994568588
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2026
Property Address	1078 7TH ST, A, RAMONA, CA 92065-2810
Document Number	0000271930
Instrument Date	Sep 11, 2026
Instrument	2026271930
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1078 7TH ST, RAMONA, CA 92065-2810

Mortgage

Document Number	0000271930,
Date	Sep 17, 2026
Instrument	2026271930

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 7TH ST # A, A, RAMONA, CA 92065-2810
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 7TH ST, RAMONA, CA 92065-2810

Mortgage

Document Number	0000367303
Date	Dec 30, 2025
Instrument	2025-0367303

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 7TH ST # A, A, RAMONA, CA 92065-2810
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 7TH ST, RAMONA, CA 92065-2810

Mortgage

Document Number	0000228815
Date	Aug 22, 2023
Instrument	2023-0228815

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 7TH ST # A, A, RAMONA, CA 92065-2810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 7TH ST, RAMONA, CA 92065-2810

Mortgage

Document Number	0000677854
Date	Nov 2, 2020
Instrument	2020-0677854

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 7TH ST # A, A, RAMONA, CA 92065-2810
Document Number	0000073481
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1078 7TH ST RAMONA CA 920652810, RAMONA, CA 92065-2810

Mortgage

Document Number	0000073481
Date	Feb 13, 2020
Instrument	73481

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1078 7TH ST # A, A, RAMONA, CA 92065-2810
Document Number	0000355439
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 7TH ST RAMONA CA 920652810, RAMONA, CA 92065-2810

Mortgage

Document Number	0000355439
Date	Aug 29, 2018
Instrument	355439

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$434,864 (+2%) Land $94,212 Building $340,652
2025	$2,878.00 (+8.4%)	$426,338 (+4.04%) Land $92,365 Building $333,973
2023	$2,655.00 (-8.07%)	$409,784 Land $88,779 Building $321,005
2022	$2,888.00

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	2 in force

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	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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