1535 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 1535 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 1975
Lot Size	2.5 acres (108,900 sqft)
Owner	Company Name on Record
Last Sale	$184,000 (Jan 1994)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-200-05-00`

Property Details

APN / Parcel Number

Primary APN	`279-200-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	108,900 sqft
View / Lot	Good
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1535 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 PAR 11 AS PER ROS 4237 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	362
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	1535 ELM ST, RAMONA, CA 92065-1164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY & STATE EMPLOYEES CU
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Mar 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 1994 · Amount on Record
Deed Sale	Jan 10, 1994 · Amount on Record
Prior Sale	May 8, 1991 · Amount on Record
Deed Document Number	199418233
Last Transfer Date	Mar 12, 2018
Transfer Doc	0000126038
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1535 ELM ST, RAMONA, CA 92065-1164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000592055
Date	Dec 19, 2017
Instrument	2017-0592055

Lender

Name	UNIVERSITY & STATE EMPLOYEES CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 18, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1535 ELM ST, RAMONA, CA 92065-1164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ELM ST, RAMONA, CA 92065-1164

Mortgage

Document Number	0000047274
Date	Jan 21, 2021
Instrument	2021-0047274

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2018
Property Address	1535 ELM ST, RAMONA, CA 92065-1164
Document Number	0000126038
Instrument Date	Mar 12, 2018
Instrument	126038
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1535 ELM ST RAMONA CA 920651164, RAMONA, CA 92065-1164

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		$372,191 (+2%) Land $143,644 Building $228,547
2025	$4,040.00 (+9.51%) Homeowner's exemption	$364,894 (+4.04%) Land $140,828 Building $224,066
2023	$3,689.00 (-3.48%) Homeowner's exemption	$350,726 Land $135,360 Building $215,366
2022	$3,822.00

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.

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