1313 MEANDERING WAY RAMONA CA 920652113, RAMONA, CA 92065-2113
Mortgage
Document Number
0000295384
Date
Jul 19, 2018
Instrument
295384
Lender
Name
BANK OF AMERICA
Type
Bank
Address
TAMPA, FL 33634
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
November 2017: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Nov 16, 2017
Property Address
1313 MEANDERING WAY, RAMONA, CA 92065-2113
Document Number
0000536050
Instrument Date
Oct 20, 2017
Instrument
536050
Transaction Type
Transfer
Record Updated
Feb 1, 2019
Title Company
FNTG BUILDER SERVICES, FNTG BUILDER SVCS
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$473.00
Amount Accuracy
Full Value
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Personal Trust
Address
1313 MEANDERING WAY RAMONA CA 920652113, RAMONA, CA 92065-2113
Mortgage
Document Number
536051
Date
Nov 16, 2017
Instrument
536051
Lender
Name
LOANDEPOT.COM LLC
Type
Funding / Finance Company
Address
FOOTHILL RANCH, CA 92610
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Nov 15, 2047
Tax Assessment & Valuation
The 2025 property tax bill for 1313 Meandering Way was $7,349.
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
$608,634 (+2%)Land $348,534Building $260,100
2025
$7,349.00
$596,700Land $341,700Building $255,000
2023
$2,748.00 (-5.47%)Homeowner's exemption
$186,942Land $82,076Building $104,866
2022
$2,907.00
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 1313 Meandering Way in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone AE high risk
100-Year Floodplain
Yes 1% annual chance
Floodway
Yes
Base Flood Elevation
Varies along the reach; see FIRM
Flood Insurance Requirement
Required federally backed loans
Community Rating System
Class 6 (20% premium discount)
Nearby Flood Policies
2 in force
Nearby Flood Claims
3 (1995–2023)
Claims Outside the SFHA
2 of 3
Most Recent Claim
Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
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 1313 Meandering Way is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 65% of the US · above 40% of California
Wildfire Likelihood
0.3% 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 143 locations within half a mile, as of December 31, 2025