San Diego County property record for 1610 Montecito Rd, Ramona, CA 92065 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1986 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $710,000 (Feb 2024) |
| Tax Bill | $7,880 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2024 Sale & Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 281-160-12-00 |
| Primary APN | 281-160-12-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1610 MONTECITO RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-2205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 16-13-1E POR TR 000863 |
| Legal Range | 01E |
| Legal Township | 13 |
| Legal Section | 16 |
| Legal Subdivision | RANCHO SANTA FE |
| Legal Tract | 000863 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 20805 |
Source: San Diego County records · APN 281-160-12-00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1101 S REDWOOD ST, ESCONDIDO, CA 92025-5614 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Feb 28, 2024 | Grant Deed, Transfer · Conventional Mortgage UMORTGAGE LLC |
| Sep 09, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP |
| Aug 16, 2019 | Quit Claim Deed, Transfer · VA Mortgage MR COOPER |
| Aug 19, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 27, 2017 | Intrafamily Transfer, Transfer · VA Mortgage PACIFIC UNION FINANCIAL LLC |
| Nov 29, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Prior Sale | Aug 16, 2019 |
| Deed Document Number | 202449597 |
| Prior Transfer Date | Aug 12, 2019 |
| Prior Transfer Doc | 0000349434 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2026 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000020649 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026-0020649 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 28, 2024 |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000049597 |
| Map Reference | MAP 863 |
| Instrument Date | Feb 08, 2024 |
| Instrument | 2024-0049597 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2024 |
| Title Company | TRICO TITLE COMPANY, TICOR TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1101 S REDWOOD ST, ESCONDIDO, CA 92025-5614 |
| Document Number | 0000049598 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024-0049598 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000524687 |
|---|---|
| Date | Sep 09, 2020 |
| Instrument | 2020-0524687 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 16, 2019 |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000349043 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 349043 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1610 MONTECITO RD RAMONA CA 920652205, RAMONA, CA 92065-2205 |
| Document Number | 349044 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 349044 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 19, 2019 |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000349434 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 349434 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1610 MONTECITO RD RAMONA CA 920652205, RAMONA, CA 92065-2205 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 27, 2017 |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000549515 |
| Map Reference | MAP863 |
| Instrument Date | Nov 08, 2017 |
| Instrument | 2017-0549515 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000549516 |
|---|---|
| Date | Nov 27, 2017 |
| Instrument | 2017-0549516 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 29, 2017 |
| Property Address | 1610 MONTECITO RD, RAMONA, CA 92065-2205 |
| Document Number | 0000552284 |
| Instrument Date | Nov 08, 2017 |
| Instrument | 552284 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1610 MONTECITO RD RAMONA CA 920652205, RAMONA, CA 92065-2205 |
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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $738,682 (+2%) Land $329,764 Building $408,918 | |
| 2025 | $7,880.00 (+123.61%) | $724,199 (+114.24%) Land $323,299 Building $400,900 |
| 2023 | $3,524.00 (-3.69%) Homeowner's exemption | $338,028 Land $150,903 Building $187,125 |
| 2022 | $3,659.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 19 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force 19 of 19 on primary residences |
| Nearby Flood Claims | 15 (1980–2023) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Jan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Flood Events |
|
| Wildfire Risk | High above 73% of the US · above 49% of California |
|---|---|
| Wildfire Likelihood | About 1 in 220 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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