1604 Montecito Rd, Unit 16, Ramona, CA 92065 Property Records

San Diego County property record for 1604 Montecito Rd, Unit 16, Ramona, CA 92065

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 884 sqft · built 1981
Lot Size	0.901 acres (39,241 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Jun 2013)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-160-22-16`

Property Details

APN / Parcel Number

Primary APN	`281-160-22-16`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Roof Material	Built-Up Asphalt
Lot Area	39,241 sqft (0.901 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1604 MONTECITO RD, 16
City	RAMONA
State	CA
Zip	92065-2250
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMV4
Legal Description	LOT 1 USC-4PER DOC81-070926&UND INT IN TR 010011
Legal Subdivision	COUNTY/SAN DIEGO 3940
Legal Tract	010011
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2009
Census Tract	20805

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	Individual Name on Record
Mailing Address	1449 KATELLA CT, ESCONDIDO, CA 92027-3635
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage THELENDER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2013 · Amount on Record
Deed Sale	Jun 3, 2013 · Amount on Record
Prior Sale	Apr 27, 2009 · Amount on Record
Deed Document Number	2013345766
Prior Transfer Date	May 30, 2013
Prior Transfer Doc	0000345767
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1604 MONTECITO RD UNIT 16, 16, RAMONA, CA 92065-2250
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12941 ABRA DR, SAN DIEGO, CA 92128-2326

Mortgage

Document Number	0000271370
Date	Jul 1, 2022
Instrument	2022-0271370

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1604 MONTECITO RD UNIT 16, 16, RAMONA, CA 92065-2250
Document Number	0000002769
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12941 ABRA DR SAN DIEGO CA 921282326, SAN DIEGO, CA 92128-2326

Mortgage

Document Number	0000002769
Date	Jan 3, 2020
Instrument	2769

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.75%

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		$111,776 (+2%) Land $37,676 Building $74,100
2025	$2,212.00 (+12.63%)	$109,586 (+4.04%) Land $36,938 Building $72,648
2023	$1,964.00 (-8.44%)	$105,332 Land $35,504 Building $69,828
2022	$2,145.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 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 Risk	High above 73% of the US · above 48% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct 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 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 143 locations within half a mile, as of December 31, 2025

Provider	Max 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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