1509 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 1509 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1961
Lot Size	1.2 acres (52,272 sqft)
Owner	Company Name on Record
Last Sale	$150,900 (Feb 1992)
Tax Bill	$4,375 (2025)
Deeds & Mortgages	Apr 2021 Transfer Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-200-09-00`

Property Details

APN / Parcel Number

Primary APN	`279-200-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,698 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	52,272 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	8 Parking Spaces

Location & Zoning

Street Address	1509 ELM ST
City	RAMONA
State	CA
Zip	92065-1164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 362 SLY 165 FT OF PAR 10 AS PER ROS 4237 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	362
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1003
Census Tract	20812

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	Company Name on Record
Mailing Address	1509 ELM ST, RAMONA, CA 92065-1164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 12, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Apr 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 1992 · Amount on Record
Deed Sale	Feb 6, 1992 · Amount on Record
Deed Document Number	199264238
Last Transfer Date	Mar 24, 2021
Transfer Doc	0000284094
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2021
Property Address	1509 ELM ST, RAMONA, CA 92065-1164
Document Number	0000284094
Map Reference	MAP 644
Instrument Date	Mar 24, 2021
Instrument	2021-0284094
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Trust
Address	1509 ELM ST, RAMONA, CA 92065-1164

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 12, 2021
Property Address	1509 ELM ST, RAMONA, CA 92065-1164
Document Number	0000282795
Map Reference	MAP 644
Instrument Date	Mar 24, 2021
Instrument	2021-0282795
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	1509 ELM ST, RAMONA, CA 92065-1164

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 12, 2021
Property Address	1509 ELM ST, RAMONA, CA 92065-1164
Document Number	0000282796
Map Reference	MAP 644
Instrument Date	Mar 24, 2021
Instrument	2021-0282796
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	1509 ELM ST, RAMONA, CA 92065-1164

Mortgage

Document Number	0000282797
Date	Apr 12, 2021
Instrument	2021-0282797

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

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		$399,982 (+2%) Land $144,277 Building $255,705
2025	$4,375.00 (+11.13%) Homeowner's exemption	$392,141 (+4.04%) Land $141,449 Building $250,692
2023	$3,937.00 (-4.93%) Homeowner's exemption	$376,915 Land $135,957 Building $240,958
2022	$4,141.00

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
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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 64% of California
Wildfire Likelihood	1% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures