15682 Cathedral Way, Ramona, CA 92065 Property Records

San Diego County property record for 15682 Cathedral Way, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1988
Lot Size	0.478 acres (20,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Jan 2022)
Tax Bill	$9,860 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`288-643-17-00`

Property Details

APN / Parcel Number

Primary APN	`288-643-17-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,024 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	20,829 sqft (0.478 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15682 CATHEDRAL WAY
City	RAMONA
State	CA
Zip	92065-4840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 218 TR 007980
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007980
Legal Block	1
Legal Lot Number	218
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1004
Census Tract	20811

Owner

Source: San Diego County records, as of October 12, 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	15682 CATHEDRAL WAY, RAMONA, CA 92065-4840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Grant Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Oct 13, 2021	Deed of Trust, Mortgage NTMC LLC
Oct 4, 2021	Grant Deed, Transfer · Commercial Mortgage SUNCREST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	202230739
Prior Transfer Date	Mar 17, 1999
Prior Transfer Doc	0000190917
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 20, 2022
Property Address	15682 CATHEDRAL WAY, RAMONA, CA 92065-4840
Document Number	0000030739
Map Reference	MAP 7980
Instrument Date	Jan 14, 2022
Instrument	2022-0030739
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	FIRST AMERICAN TITLE

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	Joint Tenants
Address	15682 CATHEDRAL WAY, RAMONA, CA 92065-4840

Mortgage

Document Number	0000030740
Date	Jan 20, 2022
Instrument	2022-0030740

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15682 CATHEDRAL WAY, RAMONA, CA 92065-4840
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3033 BUNKER HILL ST, SAN DIEGO, CA 92109-5705

Mortgage

Document Number	0000713303
Date	Oct 13, 2021
Instrument	2021-0713303

Lender

Name	NTMC LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 4, 2021
Property Address	15682 CATHEDRAL WAY, RAMONA, CA 92065-4840
Document Number	0000691673
Map Reference	MAP 7980
Instrument Date	Sep 30, 2021
Instrument	2021-0691673
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	3033 BUNKER HILL ST, SAN DIEGO, CA 92109-5705
Investor	Possibly a Property Investor

Mortgage

Document Number	0000706064
Date	Oct 8, 2021
Instrument	2021-0706064

Lender

Name	SUNCREST BANK
Type	Bank
Address	PORTERVILLE, CA 93257

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$860,531 (+2%) Land $213,317 Building $647,214
2025	$9,860.00 (+9.48%) Homeowner's exemption	$843,659 (+7.75%) Land $209,135 Building $634,524
2023	$9,006.00 (+25.47%) Homeowner's exemption	$783,000 Land $194,000 Building $589,000
2022	$7,178.00

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	1 in force
Nearby Flood Claims	3 (2010–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2015 · 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 95% of the US · above 82% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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