16113 Arena Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16113 Arena Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1994
Lot Size	0.41 acres (17,864 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Jan 2021)
Tax Bill	$7,709 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`288-170-43-00`

Property Details

APN / Parcel Number

Primary APN	`288-170-43-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,780 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	17,864 sqft (0.41 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	16113 ARENA DR
City	RAMONA
State	CA
Zip	92065-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 165 TR 007450
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007450
Legal Block	4
Legal Lot Number	165
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	4
Census Block	4009
Census Tract	20810

Owner

16113 Arena Dr is owned and occupied by two individuals who bought it in January 2021.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16113 ARENA DR, RAMONA, CA 92065-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Grant Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SV
Jul 26, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Mar 14, 2017	Grant Deed, Transfer · VA Mortgage SAN DIEGO FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Prior Sale	Mar 14, 2017 · Amount on File
Deed Document Number	202143638
Prior Transfer Date	Jun 9, 2016
Prior Transfer Doc	0000330325
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 20, 2021
Property Address	16113 ARENA DR, RAMONA, CA 92065-4205
Document Number	0000043638
Instrument Date	Dec 9, 2020
Instrument	43638
Transaction Type	Transfer
Record Updated	Jan 28, 2021
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16113 ARENA DR RAMONA CA 920654205, RAMONA, CA 92065-4205

Mortgage

Document Number	43639
Date	Jan 20, 2021
Instrument	43639

Lender

Name	WEST COAST FUNDING & REAL ESTATE SV
Type	Bank
Address	SAN DIEGO, CA 92131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16113 ARENA DR, RAMONA, CA 92065-4205
Document Number	0000313855
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16113 ARENA DR RAMONA CA 920654205, RAMONA, CA 92065-4205

Mortgage

Document Number	0000313855
Date	Jul 31, 2019
Instrument	313855

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16113 ARENA DR, RAMONA, CA 92065-4205
Document Number	0000329597
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16113 ARENA DR RAMONA CA 920654205, RAMONA, CA 92065-4205

Mortgage

Document Number	0000329597
Date	Aug 10, 2018
Instrument	329597

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 9, 2033

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 14, 2017
Property Address	16113 ARENA DR, RAMONA, CA 92065-4205
Document Number	0000116118
Map Reference	MAP7450
Instrument Date	Feb 28, 2017
Instrument	2017-0116118
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount 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	Joint Tenants
Address	16113 ARENA DR, RAMONA, CA 92065-4205

Mortgage

Document Number	0000116119
Date	Mar 14, 2017
Instrument	2017-0116119

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 16113 Arena Dr was $7,709.

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		$645,882 (+2%) Land $313,285 Building $332,597
2025	$7,709.00	$633,219 Land $307,143 Building $326,076
2023	$7,241.00 (-1.27%)	$608,632 Land $295,217 Building $313,415
2022	$7,334.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 16113 Arena Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2024 · Severe Storms And Flooding

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

Wildfire risk around 16113 Arena Dr is high, ranking above 87% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 68% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: San Diego Broadband.

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