15107 la Plata Ct, Ramona, CA 92065 Property Records

San Diego County property record for 15107 la Plata Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,266 sqft · built 2004
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Trust Names on File
Last Sale	$915,000 (Aug 2023)
Tax Bill	$10,807 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288-672-31-00`

Property Details

APN / Parcel Number

Primary APN	`288-672-31-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,266 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	33,977 sqft (0.78 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	15107 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 250 TR 008031
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	008031
Legal Block	2
Legal Lot Number	250
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
Census Tract	20811

Owner

15107 la Plata Ct is owner-occupied and held in a trust since August 2023.

Source: San Diego County records, as of September 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	15107 LA PLATA CT, RAMONA, CA 92065-4522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 31, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Aug 29, 2008 · Amount on File
Deed Document Number	2023236518
Prior Transfer Date	Feb 8, 2008
Prior Transfer Doc	0000084790
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2023
Property Address	15107 LA PLATA CT, RAMONA, CA 92065-4522
Document Number	0000236518
Map Reference	MAP 8031
Instrument Date	Jul 25, 2023
Instrument	2023-0236518
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
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	Revocable Trust
Address	15107 LA PLATA CT, RAMONA, CA 92065-4522

Mortgage

Document Number	0000236519
Date	Aug 31, 2023
Instrument	2023-0236519

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15107 LA PLATA CT, RAMONA, CA 92065-4522
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15107 LA PLATA CT, RAMONA, CA 92065-4522

Mortgage

Document Number	0000482285
Date	Jul 6, 2021
Instrument	2021-0482285

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	118 Months
Due	May 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 15107 la Plata Ct was $10,807 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		$951,964 (+2%) Land $302,894 Building $649,070
2025	$10,807.00 Homeowner's exemption	$933,299 Land $296,955 Building $636,344
2023	$6,492.00 (-1.56%) Homeowner's exemption	$544,594 Land $173,278 Building $371,316
2022	$6,595.00

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

Flood

FEMA maps place 15107 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 15107 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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