15359 la Plata Ct, Ramona, CA 92065 Property Records

San Diego County property record for 15359 la Plata Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,009 sqft · built 1979
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,755 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`288-260-30-00`

Property Details

APN / Parcel Number

Primary APN	`288-260-30-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,009 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15359 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 385 TR 007450
Legal Subdivision	COUNTRY CLUB V
Legal Tract	007450
Legal Block	2
Legal Lot Number	385
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2001
Census Tract	20811

Owner

15359 la Plata Ct is owned and occupied by two individuals who acquired it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	15359 LA PLATA CT, RAMONA, CA 92065-4515
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 7, 2023	Transfer on Death Deed, Transfer
Feb 13, 2019	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Feb 6, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 15, 2023
Transfer Doc	0000243402
Record Updated	Sep 20, 2026

September 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 7, 2023
Property Address	15359 LA PLATA CT, RAMONA, CA 92065-4515
Document Number	0000243402
Map Reference	MAP 7450
Instrument Date	Aug 15, 2023
Instrument	2023-0243402
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15359 LA PLATA CT, RAMONA, CA 92065-4515
Mail Care Of	DOROTHY J HART

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15359 LA PLATA CT, RAMONA, CA 92065-4515
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051310
Date	Feb 13, 2019
Instrument	2019-0051310

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	894 Months
Due	Aug 5, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.33%
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15359 LA PLATA CT, RAMONA, CA 92065-4515
Document Number	0000051311
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15359 LA PLATA CT RAMONA CA 920654515, RAMONA, CA 92065-4515

Mortgage

Document Number	0000051311
Date	Feb 13, 2019
Instrument	51311

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	888 Months
Due	Feb 12, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.33%

Tax Assessment & Valuation

The 2025 property tax bill for 15359 la Plata Ct was $3,755 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		$271,409 (+2%) Land $38,084 Building $233,325
2025	$3,755.00 Homeowner's exemption	$266,088 Land $37,338 Building $228,750
2023	$3,447.00 (-4.09%) Homeowner's exemption	$255,757 Land $35,889 Building $219,868
2022	$3,594.00

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

Flood

FEMA maps place 15359 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 15359 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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