1123 Heritage Ranch Rd, Ramona, CA 92065 Property Records

San Diego County property record for 1123 Heritage Ranch Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,264 sqft · built 2009
Lot Size	5.11 acres (223,027 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Nov 2020)
Tax Bill	$11,620 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-220-03-00`

Property Details

APN / Parcel Number

Primary APN	`279-220-03-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,264 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	223,027 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1123 HERITAGE RANCH RD
City	RAMONA
State	CA
Zip	92065-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 3 TR 015066
Legal Subdivision	SAN DIEGO #5244-1
Legal Tract	015066
Legal Block	1
Legal Lot Number	3
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	2 Individual Names on Record
Mailing Address	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 4, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 4, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Aug 21, 2009 · Amount on Record
Deed Document Number	2020688723
Prior Transfer Date	Apr 6, 1996
Prior Transfer Doc	0000198996
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046

Mortgage

Document Number	0000748654
Date	Oct 27, 2021
Instrument	2021-0748654

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2020
Property Address	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046
Document Number	0000688723
Map Reference	MAP 15066
Instrument Date	Oct 22, 2020
Instrument	2020-0688723
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046

Mortgage

Document Number	0000688724
Date	Nov 4, 2020
Instrument	2020-0688724

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2020
Property Address	1123 HERITAGE RANCH RD, RAMONA, CA 92065-1046
Document Number	0000688722
Instrument Date	Oct 2, 2020
Instrument	688722
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1123 HERITAGE RANCH RD RAMONA CA 920651046, RAMONA, CA 92065-1046

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		$1,269,690 (+2%) Land $640,366 Building $629,324
2025	$11,620.00 (-8.78%)	$1,244,795 (+4.04%) Land $627,810 Building $616,985
2023	$12,739.00 (-0.01%)	$1,196,460 Land $603,432 Building $593,028
2022	$12,740.00

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 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 94% of the US · above 80% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, San Diego Broadband.

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