1604 Montecito Rd, Unit 22, Ramona, CA 92065 Property Records

San Diego County property record for 1604 Montecito Rd, Unit 22, 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	Company Name on Record
Last Sale	$99,000 (Sep 2019)
Tax Bill	$3,192 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`281-160-22-22`

Property Details

APN / Parcel Number

Primary APN	`281-160-22-22`

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	Victorian
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	39,241 sqft (0.901 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1604 MONTECITO RD, 22
City	RAMONA
State	CA
Zip	92065-2251
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMV4
Legal Description	LOT 1 USD-4PER DOC81-070926&UND INT IN TR 010011
Legal Subdivision	RAMONA 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 21, 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	PO BOX 187, RAMONA, CA 92065-0187
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 9, 2019	Grant Deed, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	May 22, 2013 · Amount on Record
Deed Document Number	2019388374
Prior Transfer Date	May 12, 2005
Prior Transfer Doc	0000582162
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1604 MONTECITO RD UNIT 22, 22, RAMONA, CA 92065-2251
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147812
Date	Mar 23, 2020
Instrument	2020-0147812

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 9, 2019
Property Address	1604 MONTECITO RD UNIT 22, 22, RAMONA, CA 92065-2251
Document Number	0000388374
Instrument Date	Sep 5, 2019
Instrument	388374
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$108.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 187 RAMONA CA 920650187, RAMONA, CA 92065-0187

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$206,365 (+2%) Land $94,815 Building $111,550
2025	$3,192.00 (+9.92%)	$202,319 (+4.04%) Land $92,956 Building $109,363
2023	$2,904.00 (-5.44%)	$194,465 Land $89,348 Building $105,117
2022	$3,071.00

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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