1174 Cook St, Ramona, CA 92065 Property Records

San Diego County property record for 1174 Cook St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1976
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jul 2008)
Tax Bill	$5,758 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-252-38-00`

Property Details

APN / Parcel Number

Primary APN	`282-252-38-00`
Alternative APN	`2822522000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,860 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	42,689 sqft (0.98 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2822522000
Street Address	1174 COOK ST
City	RAMONA
State	CA
Zip	92065-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 110 (EX ELY 494.48 FT)NLY 145 FT OF TR 002031
Legal Subdivision	HUNTER-LETTON
Legal Tract	002031
Legal Block	1
Legal Lot Number	110
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1014
Census Tract	20805

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	1174 COOK ST, RAMONA, CA 92065-3210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2008 · Amount on Record
Deed Sale	Jul 11, 2008 · Amount on Record
Prior Sale	Feb 27, 2008 · Amount on Record
Deed Document Number	2008373831
Prior Transfer Date	May 9, 1995
Prior Transfer Doc	0000221046
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1174 COOK ST, RAMONA, CA 92065-3210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1174 COOK ST, RAMONA, CA 92065-3210

Mortgage

Document Number	0000586346
Date	Sep 30, 2020
Instrument	2020-0586346

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

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		$541,143 (+2%) Land $275,825 Building $265,318
2025	$5,758.00 (+7.93%) Homeowner's exemption	$530,533 (+4.04%) Land $270,417 Building $260,116
2023	$5,335.00 (-1.98%) Homeowner's exemption	$509,933 Land $259,917 Building $250,016
2022	$5,443.00

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
Nearby Flood Claims	2 (2010–2019)
Most Recent Claim	Feb 2019 · Severe Storms And 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	High above 80% of the US · above 57% of California
Wildfire Likelihood	0.6% 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 75 locations within half a mile, as of December 31, 2025

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