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1551 Montecito Rd, Ramona, CA 92065 Property Records

San Diego County property record for 1551 Montecito Rd, Ramona, CA 92065 · Last verified August 2026

Property Summary

Property TypeMulti-Family Dwellings
Details20 bd · 11.5 ba · 6,248 sqft · built 1984
Lot Size5.28 acres (229,997 sqft)
OwnerCompany Name on File
Last Sale$8,270,000 (Nov 2020)
Tax Bill$134,334 (2025)
Deeds & MortgagesMar 2026 Mortgage
Nov 2020 Sale
Flood ZoneZone AE (high risk)
APN281-100-26-00

Property Details

APN / Parcel Number

Primary APN281-100-26-00
Alternative APN
  • 2811002200

Interior

Bedrooms20 Beds
Full Baths11.5 Baths
Half Baths1 Half Bath
Units40 Units
Stories2 Stories
Building Area6,248 sqft Living Area
Gross Area36,248 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Architectural StyleMulti-Family
Exterior MaterialStucco
Construction TypeFrame
Roof TypeFlat
Roof MaterialBuilt-Up Asphalt
Lot Area229,997 sqft
Garage TypeCarport
Garage Area29,750 sqft
CarportCarport
Carport Area29,750 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Old Parcel Number2811002200
Street Address1551 MONTECITO RD
CityRAMONA
StateCA
Zip92065-5232
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Legal DescriptionBLK 318 DOC82-328314 IN BLK 317&IN TR 000643
Legal SubdivisionRAMONA
Legal Tract000643
Legal Block318,3
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group1
Census Block1013
Census Tract20806

Owner

Source: San Diego County records · APN 281-100-26-00

Assessment roll updated July 28, 2026 · Last verified August 2026

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

Owner of RecordCompany Name on File
Mailing Address2037 CHRISTY LN, DEL MAR, CA 92014-2236
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2026Deed of Trust, Mortgage · Non-Conforming Investor Loan
MISSION FCU
Nov 30, 2020Grant Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 30, 2020 · Amount on Record
Deed SaleNov 30, 2020 · Amount on Record
Prior SaleAug 19, 2015 · Amount on Record
Deed Document Number2020759956
Prior Transfer DateJan 14, 1994
Prior Transfer Doc0000150327
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address1551 MONTECITO RD, RAMONA, CA 92065-5232
Transaction TypeMortgage
Record UpdatedApr 07, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE NCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address2037 CHRISTY LN, DEL MAR, CA 92014-2236

Mortgage

Document Number0000087024
DateMar 30, 2026
Instrument2026-0087024
Lender
NameMISSION FCU
TypeCredit Union
AddressSAN DIEGO, CA 92191
Agreement
TypeNon-Conforming Investor Loan
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateNov 30, 2020
Property Address1551 MONTECITO RD, RAMONA, CA 92065-5232
Document Number0000759956
Instrument DateSep 22, 2020
Instrument759956
Transaction TypeTransfer
Record UpdatedDec 10, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount Recorded
Tax$9,097.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address2037 CHRISTY LN DEL MAR CA 920142236, DEL MAR, CA 92014-2236

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$9,130,745 (+2%) Land $6,624,483 Building $2,506,262
2025$134,334.00 (+1.46%)$8,951,712 (+4.04%) Land $6,494,592 Building $2,457,120
2024$132,403.00 (+7.6%)
2023$123,048.00 (-4.65%)$8,604,108 Land $6,242,400 Building $2,361,708
2022$129,049.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims3 (1995–2023)
Claims Outside the SFHA2 of 3
Most Recent ClaimJan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides

Wildfire

Wildfire RiskModerate
above 65% of the US · above 40% of California
Wildfire LikelihoodAbout 1 in 369 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
San Diego BroadbandFixed Wireless (unlicensed)500 / 100
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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