1296 Ramona St, Ramona, CA 92065 Property Records

San Diego County property record for 1296 Ramona St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,354 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Sep 2013)
Tax Bill	$5,851 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`282-332-16-00`

Property Details

APN / Parcel Number

Primary APN	`282-332-16-00`
Alternative APN	`2823306100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,354 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	43,560 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2823306100
Street Address	1296 RAMONA ST
City	RAMONA
State	CA
Zip	92065-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 433 POR TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	433
Legal Lot Number	433
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2005
Census Tract	20806

Owner

Source: San Diego County records, as of July 21, 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	1296 RAMONA ST, RAMONA, CA 92065-3226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 27, 2017	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2013 · Amount on Record
Deed Sale	Sep 30, 2013 · Amount on Record
Deed Document Number	2013594283
Prior Transfer Date	Dec 22, 2008
Prior Transfer Doc	0000052019
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1296 RAMONA ST, RAMONA, CA 92065-3226
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1296 RAMONA ST, RAMONA, CA 92065-3226

Mortgage

Document Number	0000372690
Date	Sep 22, 2022
Instrument	2022-0372690

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1296 RAMONA ST, RAMONA, CA 92065-3226
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186785
Date	Apr 26, 2017
Instrument	2017-0186785

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1296 RAMONA ST, RAMONA, CA 92065-3226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1296 RAMONA ST, RAMONA, CA 92065-3226

Mortgage

Document Number	0000603786
Date	Oct 6, 2020
Instrument	2020-0603786

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1296 RAMONA ST, RAMONA, CA 92065-3226
Document Number	0000146096
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1296 RAMONA ST RAMONA CA 920653226, RAMONA, CA 92065-3226

Mortgage

Document Number	0000146096
Date	Apr 3, 2017
Instrument	146096

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$550,157 (+2%) Land $145,376 Building $404,781
2025	$5,851.00 (+7.85%) Homeowner's exemption	$539,371 (+4.04%) Land $142,526 Building $396,845
2023	$5,425.00 (-1.92%) Homeowner's exemption	$518,429 Land $136,993 Building $381,436
2022	$5,531.00

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	6 (1980–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jan 2016 · rainfall accumulation

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 59% 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 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.

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