15949 Arena Dr, Ramona, CA 92065 Property Records

San Diego County property record for 15949 Arena Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,946 sqft · built 1981
Lot Size	0.445 acres (19,373 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Oct 2020)
Tax Bill	$7,406 (2025)
Deeds & Mortgages	Oct 2020 Transfer Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`288-160-18-00`

Property Details

APN / Parcel Number

Primary APN	`288-160-18-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,946 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	19,373 sqft (0.445 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15949 ARENA DR
City	RAMONA
State	CA
Zip	92065-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 171 TR 007450
Legal Subdivision	COUNTRY CLUB V
Legal Tract	007450
Legal Block	4
Legal Lot Number	171
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	4
Census Block	4009
Census Tract	20810

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	15949 ARENA DR, RAMONA, CA 92065-4201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Oct 23, 2020	Grant Deed, Transfer · Conventional Mortgage RATE RABBIT HOME LOANS
Oct 16, 2019	Intrafamily Transfer, Transfer · FHA Mortgage STEARNS LENDING LLC
Jul 14, 2017	Grant Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Oct 16, 2019
Deed Document Number	2020652619
Prior Transfer Date	May 8, 1996
Prior Transfer Doc	0000245749
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 23, 2020
Property Address	15949 ARENA DR, RAMONA, CA 92065-4201
Document Number	0000652618
Instrument Date	Oct 23, 2020
Instrument	652618
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6194 DEL PASO AVE SAN DIEGO CA 921203132, SAN DIEGO, CA 92120-3132

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 23, 2020
Property Address	15949 ARENA DR, RAMONA, CA 92065-4201
Document Number	0000652619
Map Reference	MAP 7450
Instrument Date	Sep 12, 2020
Instrument	2020-0652619
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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	15949 ARENA DR, RAMONA, CA 92065-4201

Mortgage

Document Number	0000652620
Date	Oct 23, 2020
Instrument	2020-0652620

Lender

Name	RATE RABBIT HOME LOANS
Type	Mortgage Company

Agreement

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

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2019
Property Address	15949 ARENA DR, RAMONA, CA 92065-4201
Document Number	0000465918
Map Reference	MAP 7450
Instrument Date	Oct 15, 2019
Instrument	2019-0465918
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15949 ARENA DR, RAMONA, CA 92065-4201

Mortgage

Document Number	0000465919
Date	Oct 16, 2019
Instrument	2019-0465919

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2017
Property Address	15949 ARENA DR, RAMONA, CA 92065-4201
Document Number	0000319894
Instrument Date	Jun 6, 2017
Instrument	319894
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15949 ARENA DR RAMONA CA 920654201, RAMONA, CA 92065-4201

Mortgage

Document Number	319895
Date	Jul 14, 2017
Instrument	319895

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

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		$623,800 (+2%) Land $306,787 Building $317,013
2025	$7,406.00 (+6.59%) Homeowner's exemption	$611,570 (+4.04%) Land $300,772 Building $310,798
2023	$6,948.00 (-1.36%) Homeowner's exemption	$587,824 Land $289,094 Building $298,730
2022	$7,044.00

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2024 · Severe Storms And Flooding

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	High above 87% of the US · above 68% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: San Diego Broadband.

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