15321 la Plata Ct, Ramona, CA 92065 Property Records

San Diego County property record for 15321 la Plata Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,968 sqft · built 1986
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$579,000 (May 2021)
Tax Bill	$7,641 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288-672-44-00`

Property Details

APN / Parcel Number

Primary APN	`288-672-44-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,968 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15321 LA PLATA CT
City	RAMONA
State	CA
Zip	92065-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 263 TR 008031
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	008031
Legal Block	2
Legal Lot Number	263
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
Census Tract	20811

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	15321 LA PLATA CT, RAMONA, CA 92065-4515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 21, 2021	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Aug 26, 1988 · Amount on Record
Deed Document Number	2021387904
Prior Transfer Date	Sep 28, 2010
Prior Transfer Doc	0000527498
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15321 LA PLATA CT, RAMONA, CA 92065-4515
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15321 LA PLATA CT, RAMONA, CA 92065-4515

Mortgage

Document Number	0000114598
Date	May 3, 2023
Instrument	2023-0114598

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jun 1, 2051

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 21, 2021
Property Address	15321 LA PLATA CT, RAMONA, CA 92065-4515
Document Number	0000387904
Map Reference	MAP 8031
Instrument Date	Apr 15, 2021
Instrument	2021-0387904
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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	Community Property
Address	15321 LA PLATA CT, RAMONA, CA 92065-4515

Mortgage

Document Number	0000387905
Date	May 21, 2021
Instrument	2021-0387905

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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		$639,258 (+2%) Land $237,428 Building $401,830
2025	$7,641.00 (+6.48%)	$626,724 (+4.04%) Land $232,773 Building $393,951
2023	$7,176.00 (-1.28%)	$602,389 Land $223,735 Building $378,654
2022	$7,269.00

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
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

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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