1382 Darcy Ln, Ramona, CA 92065 Property Records

San Diego County property record for 1382 Darcy Ln, Ramona, CA 92065

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 2,037 sqft · built 1974
Lot Size	1.28 acres (56,192 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,519 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`282-351-30-00`

Property Details

APN / Parcel Number

Primary APN	`282-351-30-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Building Area	2,037 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Multi-Family
Lot Area	56,192 sqft
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	1382 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 4 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	1382 DARCY LN, RAMONA, CA 92065-3349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · Line of Credit CABRILLO CU
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 7, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 28, 2018	Intrafamily Transfer, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Jul 29, 2016
Deed Document Number	2018406075
Prior Transfer Date	Aug 20, 2018
Prior Transfer Doc	0000406075
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1382 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Dec 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000337432
Date	Dec 8, 2023
Instrument	2023-0337432

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1382 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000840879
Date	Dec 13, 2021
Instrument	2021-0840879

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1382 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000486029
Date	Aug 26, 2020
Instrument	2020-0486029

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1382 DARCY LN, RAMONA, CA 92065-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000446627
Date	Oct 7, 2019
Instrument	2019-0446627

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2018
Property Address	1382 DARCY LN, RAMONA, CA 92065-3349
Document Number	0000406075
Instrument Date	Aug 20, 2018
Instrument	2018-0406075
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	1382 DARCY LN, RAMONA, CA 92065-3349

Mortgage

Document Number	0000406076
Date	Sep 28, 2018
Instrument	2018-0406076

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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		$591,666 (+2%) Land $364,103 Building $227,563
2025	$6,519.00 (+11.47%) Homeowner's exemption	$580,065 (+4.04%) Land $356,964 Building $223,101
2023	$5,848.00 (-5.3%) Homeowner's exemption	$557,542 Land $343,103 Building $214,439
2022	$6,175.00

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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