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  6. 1604 Montecito Rd

1604 Montecito Rd, Unit 10, Ramona, CA 92065 Property Records

San Diego County property record for 1604 Montecito Rd, Unit 10, Ramona, CA 92065

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,248 sqft · built 1981
Lot Size0.901 acres (39,241 sqft)
OwnerIndividual Name on Record
Last Sale$410,000 (Jan 2024)
Tax Bill$5,474 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN281-160-22-10

Property Details

APN / Parcel Number

Primary APN281-160-22-10

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,248 sqft Living Area

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialTar & Gravel
Lot Area39,241 sqft (0.901 acres)
Garage TypeCarport
CarportCarport

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1604 MONTECITO RD, 10
CityRAMONA
StateCA
Zip92065-2248
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeRMV4
Legal DescriptionLOT 1 USB-4PER DOC81-070926&UND INT IN TR 010011
Legal SubdivisionSAN DIEGO #3940
Legal Tract010011
Legal Block2
Legal Lot Number1
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group2
Census Block2009
Census Tract20805

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address1604 MONTECITO RD, 10, RAMONA, CA 92065-2248
Owner TypeIndividual
VestingUnmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 11, 2024 · Amount on Record
Deed SaleJan 11, 2024 · Amount on Record
Prior SaleFeb 7, 2013 · Amount on Record
Deed Document Number20249080
Prior Transfer DateAug 28, 2002
Prior Transfer Doc0000744035
Record UpdatedSep 20, 2026

January 2024: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateJan 11, 2024
Property Address1604 MONTECITO RD UNIT 10, 10, RAMONA, CA 92065-2248
Document Number0000009080
Map ReferenceMAP 10011
Instrument DateDec 7, 2023
Instrument2024-0009080
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyCALIFORNIA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1604 MONTECITO RD UNIT 10, 10, RAMONA, CA 92065-2248

Mortgage

Document Number0000009081
DateJan 11, 2024
Instrument2024-0009081
Lender
NameANCHOR FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$426,564 (+2%) Land $260,100 Building $166,464
2025$5,474.00 (+160.54%)$418,200 (+253.36%) Land $255,000 Building $163,200
2023$2,101.00 (-7.85%)$118,351 Land $35,504 Building $82,847
2022$2,280.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims15 (1980–2023)
Claims Outside the SFHA3 of 15
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims
  • Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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 RiskHigh
above 73% of the US · above 48% of California
Wildfire Likelihood0.5% annual chance
ExposureDirect
burnable vegetation

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 SystemRAMONA MUNICIPAL WD
serves 36,455 people · EPA ID CA3710019
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 143 locations within half a mile, as of December 31, 2025

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

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

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