16022 Saddle Summit Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16022 Saddle Summit Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,300 sqft · built 1976
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 1997)
Tax Bill	$2,732 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-271-23-00`

Property Details

APN / Parcel Number

Primary APN	`278-271-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,300 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	16022 SADDLE SUMMIT RD
City	RAMONA
State	CA
Zip	92065-7212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM03646
Legal Tract	3646
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1005
Census Tract	20801

Owner

Source: San Diego County assessment roll, 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	Individual Name on File
Mailing Address	16022 SADDLE SUMMIT RD, RAMONA, CA 92065-7212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 8, 1997 · Amount on Record
Deed Sale	Apr 8, 1997 · Amount on Record
Deed Document Number	1997161227
Last Transfer Date	Jan 23, 2025
Transfer Doc	0000040873
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16022 SADDLE SUMMIT RD, RAMONA, CA 92065-7212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16022 SADDLE SUMMIT RD, RAMONA, CA 92065-7212

Mortgage

Document Number	0000493505
Date	Aug 28, 2020
Instrument	2020-0493505

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	253 Months
Due	Sep 1, 2041

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16022 SADDLE SUMMIT RD, RAMONA, CA 92065-7212
Document Number	0000434778
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16022 SADDLE SUMMIT RD RAMONA CA 920657212, RAMONA, CA 92065-7212

Mortgage

Document Number	0000434778
Date	Oct 1, 2019
Instrument	434778

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16022 SADDLE SUMMIT RD, RAMONA, CA 92065-7212
Document Number	0000016649
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16022 SADDLE SUMMIT RD RAMONA CA 920657212, RAMONA, CA 92065-7212

Mortgage

Document Number	0000016649
Date	Jan 16, 2019
Instrument	16649

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 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		$249,162 (+2%) Land $107,967 Building $141,195
2025	$2,732.00 (+12.24%) Homeowner's exemption	$244,277 (+4.04%) Land $105,850 Building $138,427
2023	$2,434.00 (-5.84%) Homeowner's exemption	$234,793 Land $101,741 Building $133,052
2022	$2,585.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 98.2% of the US · above 89% of California
Wildfire Likelihood	3% annual chance
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile USA, Verizon.

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