15840 Thomas Paine Dr, Ramona, CA 92065 Property Records

San Diego County property record for 15840 Thomas Paine Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,933 sqft · built 1982
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$623,000 (Aug 2019)
Tax Bill	$4,195 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`278-233-17-00`

Property Details

APN / Parcel Number

Primary APN	`278-233-17-00`
Alternative APN	`2782308200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,933 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	52,708 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2782308200
Street Address	15840 THOMAS PAINE DR
City	RAMONA
State	CA
Zip	92065-7330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM09126
Legal Subdivision	PARCEL MAP NO 9126
Legal Tract	9126
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1003
Census Tract	20801

Owner

15840 Thomas Paine Dr is owned and occupied by two individuals who bought it in August 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15840 THOMAS PAINE DR, RAMONA, CA 92065-7330
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Apr 6, 2006 · Amount on File
Deed Document Number	2019344395
Prior Transfer Date	Jun 24, 2008
Prior Transfer Doc	0000353488
Record Updated	Oct 29, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 14, 2019
Property Address	15840 THOMAS PAINE DR, RAMONA, CA 92065-7330
Document Number	0000344395
Map Reference	FILE 1979-376151
Instrument Date	Jul 11, 2019
Instrument	2019-0344395
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	15840 THOMAS PAINE DR, RAMONA, CA 92065-7330

Mortgage

Document Number	0000344396
Date	Aug 14, 2019
Instrument	2019-0344396

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 15840 Thomas Paine Dr was $4,195 with a homeowner's exemption.

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		$389,870 (+2%) Land $201,952 Building $187,918
2025	$4,195.00 Homeowner's exemption	$382,227 Land $197,993 Building $184,234
2023	$3,837.00 (-3.28%) Homeowner's exemption	$367,386 Land $190,305 Building $177,081
2022	$3,967.00

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

Flood

FEMA maps place 15840 Thomas Paine Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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	2 (2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2016 · 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

Wildfire risk around 15840 Thomas Paine Dr is extreme, ranking above 96% of the US, with a 2% annual chance of 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	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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20