1304 Ramona St, Ramona, CA 92065 Property Records

San Diego County property record for 1304 Ramona St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,320 sqft · built 1972
Lot Size	2.06 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Feb 2026)
Tax Bill	$5,338 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`282-332-46-00`

Property Details

APN / Parcel Number

Primary APN	`282-332-46-00`
Alternative APN	`2823324400`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,320 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	90,169 sqft
View / Lot	Good
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2823324400
Street Address	1304 RAMONA ST
City	RAMONA
State	CA
Zip	92065-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 433 DOCS70-0152827&89-0130137 IN 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

1304 Ramona St is owned and occupied by two individuals who bought it in February 2026.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1304 RAMONA ST, RAMONA, CA 92065-3228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Grant Deed, Transfer · Conventional Mortgage HOME MORTGAGE ALLIANCE CORP
Nov 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PACIFIC LENDING LLC
Jul 31, 2019	Deed of Trust, Mortgage · Conventional with PMI PACIFIC LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Feb 13, 2012 · Amount on File
Deed Document Number	202654433
Prior Transfer Date	Oct 30, 2020
Prior Transfer Doc	0000688895
Record Updated	Sep 20, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 27, 2026
Property Address	1304 RAMONA ST, RAMONA, CA 92065-3228
Document Number	0000054433
Map Reference	MAP 644
Instrument Date	Sep 17, 2025
Instrument	2026-0054433
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	1304 RAMONA ST, RAMONA, CA 92065-3228
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054434
Date	Feb 27, 2026
Instrument	2026-0054434

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2020
Property Address	1304 RAMONA ST, RAMONA, CA 92065-3228
Document Number	0000688895
Map Reference	MAP 644
Instrument Date	Oct 30, 2020
Instrument	2020-0688895
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	WFG TITLE COMPANY OF CA

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
Address	1304 RAMONA ST, RAMONA, CA 92065-3228

Mortgage

Document Number	0000688896
Date	Nov 4, 2020
Instrument	2020-0688896

Lender

Name	PACIFIC LENDING LLC
Type	Mortgage Company

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1304 RAMONA ST, RAMONA, CA 92065-3228
Document Number	0000326064
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 RAMONA ST RAMONA CA 920653228, RAMONA, CA 92065-3228

Mortgage

Document Number	0000326064
Date	Aug 6, 2019
Instrument	326064

Lender

Name	PACIFIC LNDG
Address	IRVINE, CA 92606

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1304 Ramona St was $5,338, down 1.5% from the year before.

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		$498,362 (+2%) Land $160,138 Building $338,224
2025	$5,338.00 (-1.51%) Homeowner's exemption	$488,592 Land $156,999 Building $331,593
2024	$5,420.00 (+9.87%)
2023	$4,933.00 (-2.26%) Homeowner's exemption	$469,621 Land $150,903 Building $318,718
2022	$5,047.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1304 Ramona St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.

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

Wildfire risk around 1304 Ramona St is high, ranking above 81% of the US, with a 0.6% annual chance of 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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