128 Durgin St, Ramona, CA 92065 Property Records

San Diego County property record for 128 Durgin St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft · built 1978
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,237 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-170-41-00`

Property Details

APN / Parcel Number

Primary APN	`282-170-41-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,605 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	47,916 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	128 DURGIN ST
City	RAMONA
State	CA
Zip	92065-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E DOC205632REC71 IN TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2039
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	128 DURGIN ST, RAMONA, CA 92065-3854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
May 1, 2018	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 25, 2018
Transfer Doc	0000172476
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	128 DURGIN ST, RAMONA, CA 92065-3854
Document Number	0000678467
Instrument Date	Oct 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 DURGIN ST RAMONA CA 920653854, RAMONA, CA 92065-3854

Mortgage

Document Number	0000678467
Date	Nov 2, 2020
Instrument	678467

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2018
Property Address	128 DURGIN ST, RAMONA, CA 92065-3854
Document Number	0000172476
Map Reference	MAP 863
Instrument Date	Apr 25, 2018
Instrument	2018-0172476
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	Joint Tenants
Address	128 DURGIN ST, RAMONA, CA 92065-3854

Mortgage

Document Number	0000172477
Date	May 1, 2018
Instrument	2018-0172477

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2028

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		$297,628 (+2%) Land $108,207 Building $189,421
2025	$3,237.00 (+10.93%) Homeowner's exemption	$291,793 (+4.04%) Land $106,086 Building $185,707
2023	$2,918.00 (-4.7%) Homeowner's exemption	$280,464 Land $101,967 Building $178,497
2022	$3,062.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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 81% of the US · above 60% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 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: T-Mobile, Verizon.

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