San Diego County property record for 16125 Oakley Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,905 sqft · built 1975 |
| Lot Size | 0.426 acres (18,569 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Sep 2020) |
| Tax Bill | $7,690 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-352-24-00 |
| Primary APN | 288-352-24-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,905 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 18,569 sqft (0.426 acres) |
| Lot Dimensions | 218 ft deep x 87 ft wide |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16125 OAKLEY RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 117 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 117 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20810 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Sep 23, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 10, 2020 | Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Sep 7, 2018 | Grant Deed, Transfer · VA Mortgage HOMESTREET BANK |
| Feb 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2020 · Amount on Record |
| Deed Sale | Sep 10, 2020 · Amount on Record |
| Prior Sale | Sep 7, 2018 · Amount on Record |
| Deed Document Number | 2020529659 |
| Prior Transfer Date | Apr 18, 2014 |
| Prior Transfer Doc | 0000187489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000582927 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021-0582927 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CALATLANTIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000417464 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 2019-0417464 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 10, 2020 |
| Property Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000529659 |
| Map Reference | MAP 7519 |
| Instrument Date | Aug 16, 2020 |
| Instrument | 2020-0529659 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | TICOR TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000529660 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 2020-0529660 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 7, 2018 |
| Property Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000370113 |
| Map Reference | MAP 7519 |
| Instrument Date | Aug 1, 2018 |
| Instrument | 2018-0370113 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000370114 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 2018-0370114 |
| Name | HOMESTREET BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16125 OAKLEY RD, RAMONA, CA 92065-4227 |
| Document Number | 0000060293 |
| Instrument Date | Feb 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 16125 OAKLEY RD RAMONA CA 920654227, RAMONA, CA 92065-4227 |
| Document Number | 0000060293 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 60293 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 5, 2047 |
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $640,362 (+2%) Land $229,179 Building $411,183 | |
| 2025 | $7,690.00 (+7%) | $627,807 (+4.04%) Land $224,686 Building $403,121 |
| 2023 | $7,187.00 (-1.79%) | $603,430 Land $215,962 Building $387,468 |
| 2022 | $7,318.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 in force |
| Nearby Flood Claims | 5 (1998–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 89% of the US · above 70% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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