15839 Staples Rd, Ramona, CA 92065 Property Records

San Diego County property record for 15839 Staples Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,287 sqft · built 1989
Lot Size	0.511 acres (22,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jan 2021)
Tax Bill	$16,971 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`288-631-51-00`

Property Details

APN / Parcel Number

Primary APN	`288-631-51-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,287 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	22,249 sqft (0.511 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15839 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 91 TR 007980
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007980
Legal Block	3
Legal Lot Number	91
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 October 19, 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	15839 STAPLES RD, RAMONA, CA 92065-4829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 10, 2022	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Jul 1, 2021	Deed of Trust, Mortgage · FHA Mortgage GOLDEN BEAR CAPITAL INIC
Jan 4, 2021	Grant Deed, Transfer · FHA Mortgage GOLDEN BEAR CAPITAL INIC
Dec 16, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Apr 20, 2015 · Amount on Record
Deed Document Number	20211963
Prior Transfer Date	May 26, 2005
Prior Transfer Doc	0000459840
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15839 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15839 STAPLES RD, RAMONA, CA 92065-4829

Mortgage

Document Number	0000001199
Date	Jan 3, 2024
Instrument	2024-0001199

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15839 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15839 STAPLES RD, RAMONA, CA 92065-4829

Mortgage

Document Number	0000432565
Date	Nov 10, 2022
Instrument	2022-0432565

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Jan 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15839 STAPLES RD, RAMONA, CA 92065-4829
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15839 STAPLES RD, RAMONA, CA 92065-4829

Mortgage

Document Number	0000477910
Date	Jul 1, 2021
Instrument	2021-0477910

Lender

Name	GOLDEN BEAR CAPITAL INIC
Type	Mortgage Company
Address	SAN DIEGO, CA 92131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 4, 2021
Property Address	15839 STAPLES RD, RAMONA, CA 92065-4829
Document Number	0000001963
Map Reference	MAP 7980
Instrument Date	Nov 25, 2020
Instrument	2021-0001963
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE COMPANY

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	15839 STAPLES RD, RAMONA, CA 92065-4829

Mortgage

Document Number	0000001964
Date	Jan 4, 2021
Instrument	2021-0001964

Lender

Name	GOLDEN BEAR CAPITAL INIC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15839 STAPLES RD, RAMONA, CA 92065-4829
Document Number	0000596686
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15839 STAPLES RD RAMONA CA 920654829, RAMONA, CA 92065-4829

Mortgage

Document Number	0000596686
Date	Dec 20, 2019
Instrument	596686

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

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		$662,444 (+2%) Land $249,040 Building $413,404
2025	$16,971.00 (+2.88%)	$649,456 (+4.04%) Land $244,157 Building $405,299
2023	$16,496.00 (-0.55%)	$624,238 Land $234,677 Building $389,561
2022	$16,587.00

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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