San Diego County property record for 16048 Saddle Summit Rd, Ramona, CA 92065 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,196 sqft · built 1988 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,050,000 (Jan 2021) |
| Tax Bill | $12,249 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 278-271-28-00 |
| Primary APN | 278-271-28-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,196 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 65,776 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16048 SADDLE SUMMIT RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-7212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR 2 TR PM05969 |
| Legal Subdivision | PARCEL MAP NO 5969 |
| Legal Tract | 5969 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20801 |
Source: San Diego County records · APN 278-271-28-00
Assessment roll updated July 21, 2026 · Last verified July 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 | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jul 28, 2026 | Grant Deed, Transfer · Conventional Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Jul 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jan 29, 2021 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Jan 29, 2021 | Grant Deed, Transfer FIRST AMERICAN TTL SAN DIEGO |
| Jan 29, 2021 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on Record |
| Deed Sale | Jan 29, 2021 · Amount on Record |
| Prior Sale | Jan 03, 2014 · Amount on Record |
| Deed Document Number | 202173289 |
| Prior Transfer Date | Jul 20, 2005 |
| Prior Transfer Doc | 0000640382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 28, 2026 |
| Property Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Number | 0000216881 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026216881 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Number | 0000216882, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 2026216882 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000361712 |
|---|---|
| Date | Jul 08, 2020 |
| Instrument | 2020-0361712 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Aug 01, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 29, 2021 |
| Property Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Number | 0000073290 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 73290 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 16048 SADDLE SUMMIT RD RAMONA CA 920657212, RAMONA, CA 92065-7212 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 29, 2021 |
| Property Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Number | 0000073289 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 2021-0073289 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TTL SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 29, 2021 |
| Property Address | 16048 SADDLE SUMMIT RD, RAMONA, CA 92065-7212 |
| Document Number | 0000073288 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 73288 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13043 EDINA WAY POWAY CA 920641121, POWAY, CA 92064-1121 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,159,283 (+2%) Land $552,040 Building $607,243 | |
| 2025 | $12,249.00 (+5.94%) | $1,136,553 (+4.04%) Land $541,216 Building $595,337 |
| 2023 | $11,562.00 (-0.15%) | $1,092,420 Land $520,200 Building $572,220 |
| 2022 | $11,579.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Extreme above 98% of the US · above 90% of California |
|---|---|
| Wildfire Likelihood | About 1 in 38 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
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