1187 Cook St, Ramona, CA 92065 Property Records

San Diego County property record for 1187 Cook St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1973
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$452,500 (Nov 2019)
Tax Bill	$5,694 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-251-34-00`

Property Details

APN / Parcel Number

Primary APN	`282-251-34-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	22,651 sqft (0.52 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1187 COOK ST
City	RAMONA
State	CA
Zip	92065-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM01079
Legal Subdivision	HUNTER LETTON TRACT
Legal Tract	1079
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1010
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	1187 COOK ST, RAMONA, CA 92065-3245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 15, 2019	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2019 · Amount on Record
Deed Sale	Nov 15, 2019 · Amount on Record
Prior Sale	Dec 13, 2013 · Amount on Record
Deed Document Number	2019531450
Prior Transfer Date	Dec 29, 1994
Prior Transfer Doc	0000043624
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2021
Property Address	1187 COOK ST, RAMONA, CA 92065-3245
Document Number	0000769217
Instrument Date	Oct 25, 2021
Instrument	2021-0769217
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	Joint Tenants
Address	1187 COOK ST, RAMONA, CA 92065-3245

Mortgage

Document Number	0000769218
Date	Nov 4, 2021
Instrument	2021-0769218

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 15, 2019
Property Address	1187 COOK ST, RAMONA, CA 92065-3245
Document Number	0000531450
Instrument Date	Oct 22, 2019
Instrument	2019-0531450
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
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	1187 COOK ST, RAMONA, CA 92065-3245

Mortgage

Document Number	0000531451
Date	Nov 15, 2019
Instrument	2019-0531451

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Mortgage

Document Number	0000531453
Date	Nov 15, 2019
Instrument	2019-0531453

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

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		$534,952 (+2%) Land $348,832 Building $186,120
2025	$5,694.00 (+7.96%) Homeowner's exemption	$524,464 (+4.04%) Land $341,993 Building $182,471
2023	$5,274.00 (-2.01%) Homeowner's exemption	$504,101 Land $328,714 Building $175,387
2022	$5,382.00

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 74% of the US · above 50% of California
Wildfire Likelihood	0.5% 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 246 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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