1495 H St, Ramona, CA 92065 Property Records

San Diego County property record for 1495 H St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,559 sqft · built 1992
Lot Size	0.56 acres (2,428 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Jan 2026)
Tax Bill	$4,263 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`282-263-40-00`

Property Details

APN / Parcel Number

Primary APN	`282-263-40-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,559 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	2,428 sqft (0.56 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1495 H ST
City	RAMONA
State	CA
Zip	92065-2671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 2 TR 012596
Legal Subdivision	RAMONA 4691
Legal Tract	012596
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3000
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	1495 H ST, RAMONA, CA 92065-2671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL ALLIANCE LLC
Jan 5, 2026	Grant Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 28, 2021	Grant Deed, Transfer TICOR TITLE SAN DIEGO BRANCH
Aug 19, 2019	Grant Deed, Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	20261856
Prior Transfer Date	Aug 16, 2016
Prior Transfer Doc	0000444023
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1495 H ST, RAMONA, CA 92065-2671
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMER TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 H ST, RAMONA, CA 92065-2671

Mortgage

Document Number	0000235360
Date	Aug 26, 2025
Instrument	2025-0235360

Lender

Name	CAPITAL ALLIANCE LLC
Type	Non-Lending Institution
Address	SAN RAFAEL, CA 94901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 5, 2026
Property Address	1495 H ST, RAMONA, CA 92065-2671
Document Number	0000001856
Map Reference	MAP 12596
Instrument Date	Dec 10, 2025
Instrument	2026-0001856
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	1495 H ST, RAMONA, CA 92065-2671

Mortgage

Document Number	0000001857
Date	Jan 5, 2026
Instrument	2026-0001857

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1495 H ST, RAMONA, CA 92065-2671
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 H ST, RAMONA, CA 92065-2671

Mortgage

Document Number	0000583686
Date	Sep 30, 2020
Instrument	2020-0583686

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2021
Property Address	1495 H ST, RAMONA, CA 92065-2671
Document Number	0000467529
Map Reference	MAP 12596
Instrument Date	May 17, 2021
Instrument	2021-0467529
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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	Family Trust
Address	1495 H ST, RAMONA, CA 92065-2671

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 19, 2019
Property Address	1495 H ST, RAMONA, CA 92065-2671
Document Number	0000351103
Map Reference	MAP 12596
Instrument Date	Jul 29, 2019
Instrument	2019-0351103
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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
Address	1495 H ST, RAMONA, CA 92065-2671

Mortgage

Document Number	0000351104
Date	Aug 19, 2019
Instrument	2019-0351104

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$317,410 (+2%) Land $81,891 Building $235,519
2025	$4,263.00 (+8.31%) Homeowner's exemption	$311,187 (+4.04%) Land $80,286 Building $230,901
2023	$3,936.00 (-3.46%) Homeowner's exemption	$299,105 Land $77,169 Building $221,936
2022	$4,077.00

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
Nearby Flood Claims	2 (1991–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2015 · other causes

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 351 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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