15829 Oak Valley Rd, Ramona, CA 92065 Property Records

San Diego County property record for 15829 Oak Valley Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1999
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (May 2025)
Tax Bill	$6,897 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`285-022-54-00`

Property Details

APN / Parcel Number

Primary APN	`285-022-54-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,998 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	43,560 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15829 OAK VALLEY RD
City	RAMONA
State	CA
Zip	92065-7413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM04772
Legal Subdivision	SAN BERNARDINO MERIDIAN
Legal Tract	4772
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3008
Census Tract	20801

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	15829 OAK VALLEY RD, RAMONA, CA 92065-7413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 25, 2018	Grant Deed, Transfer · VA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Oct 25, 2018 · Amount on Record
Deed Document Number	2025126536
Prior Transfer Date	Nov 29, 2010
Prior Transfer Doc	0000211215
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15829 OAK VALLEY RD, RAMONA, CA 92065-7413
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15829 OAK VALLEY RD, RAMONA, CA 92065-7413

Mortgage

Document Number	0000668903
Date	Sep 22, 2021
Instrument	2021-0668903

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 25, 2018
Property Address	15829 OAK VALLEY RD, RAMONA, CA 92065-7413
Document Number	0000444838
Instrument Date	Sep 14, 2018
Instrument	2018-0444838
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	15829 OAK VALLEY RD, RAMONA, CA 92065-7413

Mortgage

Document Number	0000444839
Date	Oct 25, 2018
Instrument	2018-0444839

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$892,500 (+40.61%) Land $510,000 Building $382,500
2025	$6,897.00 (+7.92%) Homeowner's exemption	$634,724 (+4.04%) Land $183,532 Building $451,192
2023	$6,391.00 (-1.99%) Homeowner's exemption	$610,079 Land $176,406 Building $433,673
2022	$6,521.00

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

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 96% of the US · above 84% 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cox Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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