1604 Montecito Rd, Unit 4, Ramona, CA 92065 Property Records

San Diego County property record for 1604 Montecito Rd, Unit 4, 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	$319,000 (Feb 2024)
Tax Bill	$4,493 (2025)
Deeds & Mortgages	Apr 2026 Transfer Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-160-22-04`

Property Details

APN / Parcel Number

Primary APN	`281-160-22-04`

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
Exterior Material	Stucco
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, 4
City	RAMONA
State	CA
Zip	92065-2247
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMV4
Legal Description	LOT 1 USA-4PER DOC81-070926&UND INT IN TR 010011
Legal Subdivision	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 21, 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	1604 MONTECITO RD, 4, RAMONA, CA 92065-2247
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 26, 2024	Grant Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2024 · Amount on Record
Deed Sale	Feb 26, 2024 · Amount on Record
Prior Sale	Feb 6, 2013 · Amount on Record
Deed Document Number	202447641
Prior Transfer Date	Jul 20, 2005
Prior Transfer Doc	0000623802
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2026
Property Address	1604 MONTECITO RD, 4, RAMONA, CA 92065-2247
Document Number	0000112661
Instrument Date	Apr 7, 2026
Instrument	2026112661
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 MONTECITO RD, 4, RAMONA, CA 92065-2247

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2024
Property Address	1604 MONTECITO RD UNIT 4, 4, RAMONA, CA 92065-2247
Document Number	0000047641
Map Reference	MAP 10011
Instrument Date	Oct 16, 2023
Instrument	2024-0047641
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	CALIFORNIA TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	1604 MONTECITO RD UNIT 4, 4, RAMONA, CA 92065-2247

Mortgage

Document Number	0000047642
Date	Feb 26, 2024
Instrument	2024-0047642

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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		$331,887 (+2%) Land $208,080 Building $123,807
2025	$4,493.00 (+90.38%)	$325,380 (+216.02%) Land $204,000 Building $121,380
2024	$2,360.00 (+21.71%)
2023	$1,939.00 (-8.54%)	$102,963 Land $35,504 Building $67,459
2022	$2,120.00

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 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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