15103 la Plata Ct, Ramona, CA 92065 Property Records

San Diego County property record for 15103 la Plata Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 5,327 sqft · built 1983
Lot Size	0.59 acres (25,700 sqft)
Owner	Company Name on File
Last Sale	$665,000 (Dec 2016)
Tax Bill	$9,100 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`288-672-30-00`

Property Details

APN / Parcel Number

Primary APN	`288-672-30-00`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,327 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Architectural Style	Mediterranean
Exterior Material	Stucco
Roof Material	Tile
Lot Area	25,700 sqft (0.59 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15103 LA PLATA CT
City	RAMONA
State	CA
Zip	92065-4522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 249 TR 008031
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	008031
Legal Block	2
Legal Lot Number	249
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
Census Tract	20811

Owner

15103 la Plata Ct is owned by a company that bought it in December 2016 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	15103 LA PLATA CT, RAMONA, CA 92065-4522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Aug 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage POINT LOMA CU
Jan 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2016 · Amount on File
Deed Sale	Dec 22, 2016 · Amount on File
Prior Sale	Jul 29, 2009 · Amount on File
Deed Document Number	2016701734
Prior Transfer Date	Apr 2, 2013
Prior Transfer Doc	0000356212
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15103 LA PLATA CT, RAMONA, CA 92065-4522
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15103 LA PLATA CT, RAMONA, CA 92065-4522

Mortgage

Document Number	0000222464
Date	May 25, 2022
Instrument	2022-0222464

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4%
Index	5-Year CMT
Margin	2
Max Rate	7%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15103 LA PLATA CT, RAMONA, CA 92065-4522
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	0000355211
Date	Aug 7, 2017
Instrument	2017-0355211

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 15, 2027

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15103 LA PLATA CT, RAMONA, CA 92065-4522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025734
Date	Jan 16, 2020
Instrument	2020-0025734

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2025
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.25%
Index	5-Year CMT
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 15103 la Plata Ct was $9,100 with a homeowner's exemption.

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		$787,217 (+2%) Land $207,160 Building $580,057
2025	$9,100.00 Homeowner's exemption	$771,783 Land $203,099 Building $568,684
2023	$8,572.00 (-0.83%) Homeowner's exemption	$741,815 Land $195,213 Building $546,602
2022	$8,644.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 15103 la Plata Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	4 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · 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

Wildfire risk around 15103 la Plata Ct is extreme, ranking above 98.1% of the US, with a 3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 98.1% of the US · above 89% of California
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: San Diego Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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