15825 Staples Rd, Ramona, CA 92065 Property Records

San Diego County property record for 15825 Staples Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,182 sqft · built 1979
Lot Size	0.469 acres (20,417 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Oct 2002)
Tax Bill	$7,050 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`288-631-52-00`

Property Details

APN / Parcel Number

Primary APN	`288-631-52-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,182 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	20,417 sqft (0.469 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15825 STAPLES RD
City	RAMONA
State	CA
Zip	92065-4829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 92 TR 007980
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007980
Legal Block	3
Legal Lot Number	92
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3003
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	15825 STAPLES RD, RAMONA, CA 92065-4829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU
Aug 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage POINT LOMA CU
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2002 · Amount on Record
Deed Sale	Oct 22, 2002 · Amount on Record
Prior Sale	Aug 10, 2000 · Amount on Record
Deed Document Number	2002923827
Last Transfer Date	Sep 25, 2015
Transfer Doc	0000521616
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15825 STAPLES RD, RAMONA, CA 92065-4829

Mortgage

Document Number	0000242923
Date	Mar 29, 2021
Instrument	2021-0242923

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000365490
Date	Aug 11, 2017
Instrument	2017-0365490

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 23, 2027

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000365507
Date	Aug 11, 2017
Instrument	2017-0365507

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jun 23, 2032

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025237
Date	Jan 18, 2017
Instrument	2017-0025237

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2027

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416318
Date	Jul 29, 2020
Instrument	2020-0416318

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15825 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163489
Date	Mar 30, 2020
Instrument	2020-0163489

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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		$589,412 (+2%) Land $147,720 Building $441,692
2025	$7,050.00 (+6.71%) Homeowner's exemption	$577,856 (+4.04%) Land $144,824 Building $433,032
2023	$6,607.00 (-1.49%) Homeowner's exemption	$555,419 Land $139,201 Building $416,218
2022	$6,707.00

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 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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	Very High above 93% of the US · above 78% of California
Wildfire Likelihood	2% 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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