15946 Caras Ct, Ramona, CA 92065 Property Records

San Diego County property record for 15946 Caras Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,609 sqft · built 1985
Lot Size	0.489 acres (21,284 sqft)
Owner	2 Individual Names on File
Last Sale	$591,000 (Apr 2018)
Tax Bill	$8,050 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`288-641-06-00`

Property Details

APN / Parcel Number

Primary APN	`288-641-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,609 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	21,284 sqft (0.489 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15946 CARAS CT
City	RAMONA
State	CA
Zip	92065-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 116 TR 007980
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007980
Legal Block	3
Legal Lot Number	116
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3000
Census Tract	20811

Owner

15946 Caras Ct is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	15946 CARAS CT, RAMONA, CA 92065-4810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Apr 16, 2020	Deed of Trust, Mortgage · FHA Mortgage ROYAL PACIFIC FUNDING CORP
May 15, 2019	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 23, 2018	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	Jul 17, 2014 · Amount on File
Deed Document Number	2018160266
Prior Transfer Date	Jun 23, 2014
Prior Transfer Doc	0000299477
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15946 CARAS CT, RAMONA, CA 92065-4810
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15946 CARAS CT, RAMONA, CA 92065-4810

Mortgage

Document Number	0000263349
Date	Jun 27, 2022
Instrument	2022-0263349

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	May 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15946 CARAS CT, RAMONA, CA 92065-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194709
Date	Apr 16, 2020
Instrument	2020-0194709

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	15946 CARAS CT, RAMONA, CA 92065-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184137
Date	May 15, 2019
Instrument	2019-0184137

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2018
Property Address	15946 CARAS CT, RAMONA, CA 92065-4810
Document Number	0000160266
Map Reference	MAP 7980
Instrument Date	Mar 30, 2018
Instrument	2018-0160266
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE SAN

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	Joint Tenants
Address	15946 CARAS CT, RAMONA, CA 92065-4810

Mortgage

Document Number	0000160267
Date	Apr 23, 2018
Instrument	2018-0160267

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15946 Caras Ct was $8,050 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		$685,897 (+2%) Land $183,329 Building $502,568
2025	$8,050.00 Homeowner's exemption	$672,449 Land $179,735 Building $492,714
2023	$7,565.00 (-1.14%) Homeowner's exemption	$646,338 Land $172,756 Building $473,582
2022	$7,652.00

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

Flood

FEMA maps place 15946 Caras Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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

Wildfire risk around 15946 Caras Ct is extreme, ranking above 95% of the US, with a 3% annual chance of 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	3% 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 29 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Caras Ct

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