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152 Cowboy Ct, Ramona, CA 92065 Property Records

San Diego County property record for 152 Cowboy Ct, Ramona, CA 92065

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,443 sqft · built 1976
Lot Size0.9 acres (39,204 sqft)
OwnerIndividual Name on Record
Tax Bill$1,121 (2025)
Deeds & MortgagesDec 2025 Transfer
Dec 2025 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN281-472-16-00

Property Details

APN / Parcel Number

Primary APN281-472-16-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,443 sqft Living Area

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Lot Area39,204 sqft (0.9 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address152 COWBOY CT
CityRAMONA
StateCA
Zip92065-5003
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA70
Legal DescriptionLOT 130 MOST NLY PAR PER ROS 8038 IN TR 000656
Legal SubdivisionVALLE DE LOS AMIGOS
Legal Tract000656
Legal Block3
Legal Lot Number130
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group3
Census Block3003
Census Tract20813

Owner

Source: San Diego County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address152 COWBOY CT, RAMONA, CA 92065-5003
OccupancyOwner Occupied
Owner TypeIndividual
VestingWidower

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2025Affidavit of Death of Joint Tenant, Transfer
CHICAGO TITLE COMPANY
Dec 15, 2025Intrafamily Transfer, Transfer · Reverse Mortgage
FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateDec 5, 2025
Transfer Doc0000352611
Record UpdatedOct 29, 2026

December 2025: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionSAN DIEGO CA
Recording DateDec 15, 2025
Property Address152 COWBOY CT, RAMONA, CA 92065-5003
Document Number0000352610
Map ReferenceMAP 656
Instrument DateDec 10, 2025
Instrument2025-0352610
Transaction TypeTransfer
Record UpdatedDec 26, 2025
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address152 COWBOY CT, RAMONA, CA 92065-5003

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateDec 15, 2025
Property Address152 COWBOY CT, RAMONA, CA 92065-5003
Document Number0000352611
Map ReferenceMAP 656
Instrument DateDec 5, 2025
Instrument2025-0352611
Transaction TypeTransfer
Record UpdatedDec 26, 2025
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address152 COWBOY CT, RAMONA, CA 92065-5003

Mortgage

Document Number0000352612
DateDec 15, 2025
Instrument2025-0352612
Lender
NameFINANCE OF AMERICA REVERSE LLC
TypeReverse Mortgage Lender
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term776 Months
DueAug 4, 2090
Interest
Rate TypeAdjustable Rate
Rate6.12%
AdjustableAdjustable Rate Rider
Type Change DateFeb 1, 2026
Change FrequencyMonthly
Index1-Year CMT
Max Rate11.1%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$93,727 (+2%) Land $26,122 Building $67,605
2025$1,121.00 (+1.91%) Homeowner's exemption$91,890 (+4.04%) Land $25,610 Building $66,280
2024$1,100.00 (+23.6%)
2023$890.00 (-16.27%) Homeowner's exemption$88,323 Land $24,616 Building $63,707
2022$1,063.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

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 RiskHigh
above 84% of the US · above 63% of California
Wildfire Likelihood0.9% annual chance
ExposureDirect
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 SystemRAMONA MUNICIPAL WD
serves 36,455 people · EPA ID CA3710019
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 57 locations within half a mile, as of December 31, 2025

ProviderMax 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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