108 Penn St, Ramona, CA 92065 Property Records

San Diego County property record for 108 Penn St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,304 sqft · built 1977
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Mar 2020)
Tax Bill	$8,145 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-110-23-00`

Property Details

APN / Parcel Number

Primary APN	`280-110-23-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,304 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	47,045 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	108 PENN ST
City	RAMONA
State	CA
Zip	92065-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 154 TR 000656
Legal Subdivision	VALLE DE LOS AMIGOS
Legal Tract	000656
Legal Block	1
Legal Lot Number	154
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1002
Census Tract	20812

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	2 Individual Names on Record
Mailing Address	108 PENN ST, RAMONA, CA 92065-1513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Mar 20, 2020	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Feb 16, 2018	Grant Deed, Transfer · FHA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Document Number	2020146977
Prior Transfer Date	Jul 7, 2014
Prior Transfer Doc	0000290588
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	108 PENN ST, RAMONA, CA 92065-1513
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 PENN ST, RAMONA, CA 92065-1513

Mortgage

Document Number	0000640270
Date	Oct 20, 2020
Instrument	2020-0640270

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 20, 2020
Property Address	108 PENN ST, RAMONA, CA 92065-1513
Document Number	0000146977
Map Reference	MAP 656
Instrument Date	Feb 26, 2020
Instrument	2020-0146977
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FIDELITY NATL TTL 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
Relationship	Joint Tenants
Address	108 PENN ST, RAMONA, CA 92065-1513

Mortgage

Document Number	0000146978
Date	Mar 20, 2020
Instrument	2020-0146978

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2018
Property Address	108 PENN ST, RAMONA, CA 92065-1513
Document Number	0000063826
Map Reference	MAP 656
Instrument Date	Dec 5, 2017
Instrument	2018-0063826
Transaction Type	Transfer
Record Updated	Jul 22, 2022
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	108 PENN ST, RAMONA, CA 92065-1513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000063827
Date	Feb 16, 2018
Instrument	2018-0063827

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$764,124 (+2%) Land $390,429 Building $373,695
2025	$8,145.00 (+6.81%)	$749,142 (+4.04%) Land $382,774 Building $366,368
2023	$7,626.00 (-0.99%)	$720,054 Land $367,911 Building $352,143
2022	$7,702.00

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
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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	High above 87% of the US · above 68% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	50 / 10

May also be available: Verizon.

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