1320 Darcy Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1320 Darcy Ln, Ramona, CA 92065

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 3 ba · 2,570 sqft · built 1984
Lot Size	1.41 acres (61,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Apr 2004)
Tax Bill	$7,335 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-351-27-00`

Property Details

APN / Parcel Number

Primary APN	`282-351-27-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Units	2 Units
Building Area	2,570 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Multi-Family
Lot Area	61,855 sqft
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1320 DARCY LN
City	RAMONA
State	CA
Zip	92065-3349
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	A70
Legal Description	PAR 1 TR PM10166
Legal Subdivision	PARCEL MAP NO 10166
Legal Tract	10166
Legal Block	2
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 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	1678 HANSON LN, RAMONA, CA 92065-3309
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2004 · Amount on Record
Deed Sale	Apr 28, 2004 · Amount on Record
Prior Sale	Jun 4, 1997 · Amount on Record
Deed Document Number	2004377020
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1320 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1678 HANSON LN, RAMONA, CA 92065-3309

Mortgage

Document Number	0000082355
Date	Feb 3, 2021
Instrument	2021-0082355

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1320 DARCY LN, RAMONA, CA 92065-3349
Document Number	0000543731
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1678 HANSON LN RAMONA CA 920653309, RAMONA, CA 92065-3309

Mortgage

Document Number	0000543731
Date	Nov 21, 2017
Instrument	543731

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 20, 2037

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		$667,072 (+2%) Land $290,031 Building $377,041
2025	$7,335.00 (+9.97%)	$653,994 (+4.04%) Land $284,345 Building $369,649
2023	$6,670.00 (-4%)	$628,600 Land $273,304 Building $355,296
2022	$6,948.00

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 84% of the US · above 63% of California
Wildfire Likelihood	0.9% 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 73 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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