16012 Oakley Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16012 Oakley Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,790 sqft · built 1979
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on Record
Last Sale	$420,000 (Jul 2018)
Tax Bill	$5,968 (2025)
Deeds & Mortgages	Jun 2021 Construction Loan Jun 2020 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`288-150-13-00`

Property Details

APN / Parcel Number

Primary APN	`288-150-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,790 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16012 OAKLEY RD
City	RAMONA
State	CA
Zip	92065-4226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 31 TR 007450
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007450
Legal Block	2
Legal Lot Number	31
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2000
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	Company Name on Record
Mailing Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Jun 1, 2020	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Jan 26, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 31, 2018	Quit Claim Deed, Transfer TICOR TITLE SAN DIEGO BR
Jul 31, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRAVIS JOHNSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	Dec 1, 2009 · Amount on Record
Deed Document Number	2018312591
Last Transfer Date	Oct 29, 2019
Transfer Doc	0000060046
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Investor	Possibly a Property Investor

Mortgage

Document Number	0000433991
Date	Jun 14, 2021
Instrument	2021-0433991

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000276497
Date	Jun 1, 2020
Instrument	2020-0276497

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16012 OAKLEY RD, RAMONA, CA 92065-4226

Mortgage

Document Number	0000719262
Date	Nov 17, 2020
Instrument	2020-0719262

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 26, 2021
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Document Number	0000060046
Instrument Date	Oct 29, 2019
Instrument	60046
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16012 OAKLEY RD RAMONA CA 920654226, RAMONA, CA 92065-4226

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2018
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Document Number	0000312590
Instrument Date	Jul 25, 2018
Instrument	312590
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	TICOR TITLE SAN DIEGO BR

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	177 OUTBACK LOOP SPIRIT LAKE ID 838695022, SPIRIT LAKE, ID 83869-5022

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2018
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Document Number	0000312591
Map Reference	MAP 7450
Instrument Date	Jul 23, 2018
Instrument	2018-0312591
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

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
Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Investor	Possibly a Property Investor

Mortgage

Document Number	0000312592
Date	Jul 31, 2018
Instrument	2018-0312592

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16012 OAKLEY RD, RAMONA, CA 92065-4226
Document Number	0000290346
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16012 OAKLEY RD RAMONA CA 920654226, RAMONA, CA 92065-4226

Mortgage

Document Number	0000290346
Date	Jun 27, 2017
Instrument	290346

Lender

Name	TRAVIS JOHNSON
Address	PO BOX 2336, RAMONA, CA 92065-0940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$477,882 (+2%) Land $234,749 Building $243,133
2025	$5,968.00 (+7.11%)	$468,513 (+4.04%) Land $230,147 Building $238,366
2023	$5,572.00 (-2.07%)	$450,322 Land $221,211 Building $229,111
2022	$5,690.00

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
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2022

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 92% of the US · above 75% of California
Wildfire Likelihood	1% 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 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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