1110 12th St, Ramona, CA 92065 Property Records

San Diego County property record for 1110 12th St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,627 sqft · built 1974
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$510,000 (Jul 2021)
Tax Bill	$5,946 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284-242-11-00`

Property Details

APN / Parcel Number

Primary APN	`284-242-11-00`
Alternative APN	`6680921100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,627 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	44,867 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	6680921100
Street Address	1110 12TH ST
City	RAMONA
State	CA
Zip	92065-2868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	BLK 524 TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	524
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1005
Census Tract	20813

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	Individual Name on Record
Mailing Address	1110 12TH ST, RAMONA, CA 92065-2868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CHANGE LENDING LLC
Jul 28, 2021	Grant Deed, Transfer · Commercial Mortgage ZERO POINT LOANS LLC
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Jan 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Feb 10, 1989 · Amount on Record
Deed Document Number	2021538304
Last Transfer Date	Feb 7, 2022
Transfer Doc	0000065890
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 11, 2022
Property Address	1110 12TH ST, RAMONA, CA 92065-2868
Document Number	0000065890
Map Reference	MAP 644
Instrument Date	Feb 7, 2022
Instrument	2022-0065890
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	1110 12TH ST, RAMONA, CA 92065-2868

Mortgage

Document Number	0000065891
Date	Feb 11, 2022
Instrument	2022-0065891

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2021
Property Address	1110 12TH ST, RAMONA, CA 92065-2868
Document Number	0000538304
Map Reference	MAP 644
Instrument Date	Jul 10, 2021
Instrument	2021-0538304
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	FIRST AMERICAN TITLE INS CO

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	1110 12TH ST, RAMONA, CA 92065-2868

Mortgage

Document Number	0000538305
Date	Jul 28, 2021
Instrument	2021-0538305

Lender

Name	ZERO POINT LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000538306
Date	Jul 28, 2021
Instrument	2021-0538306

Lender

Name	ZERO POINT LOANS INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92120

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1110 12TH ST, RAMONA, CA 92065-2868
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 12TH ST, RAMONA, CA 92065-2868

Mortgage

Document Number	0000128822
Date	Feb 19, 2021
Instrument	2021-0128822

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1110 12TH ST, RAMONA, CA 92065-2868
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000551654
Date	Nov 28, 2017
Instrument	2017-0551654

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	RAMONA, CA 92065

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 21, 2037

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17.7%

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 27, 2020
Property Address	1110 12TH ST, RAMONA, CA 92065-2868
Document Number	0000043445
Map Reference	MAP 644
Instrument Date	Jan 22, 2020
Instrument	2020-0043445
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	1110 12TH ST, RAMONA, CA 92065-2868

Mortgage

Document Number	0000043446
Date	Jan 27, 2020
Instrument	2020-0043446

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

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		$552,037 (+2%) Land $123,183 Building $428,854
2025	$5,946.00 (+7.76%)	$541,214 (+4.04%) Land $120,768 Building $420,446
2023	$5,518.00 (-1.9%)	$520,199 Land $116,079 Building $404,120
2022	$5,625.00

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 68% of the US · above 43% of California
Wildfire Likelihood	0.3% 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 431 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, T-Mobile, Verizon.

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