16169 Saddle Summit Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16169 Saddle Summit Rd, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,520 sqft · built 1979
Owner	2 Individual Names on File
Last Sale	$760,000 (Jun 2021)
Tax Bill	$8,920 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`278-271-61-00`

Property Details

APN / Parcel Number

Primary APN	`278-271-61-00`
Alternative APN	`2782715700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,520 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2782715700
Street Address	16169 SADDLE SUMMIT RD
City	RAMONA
State	CA
Zip	92065-7213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 35-13-1W NEQ 5.55 AC M/L IN
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1003
Census Tract	20801

Owner

Source: San Diego County records · APN 278-271-61-00

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	16169 SADDLE SUMMIT RD, RAMONA, CA 92065-7213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2021475621
Prior Transfer Date	Dec 04, 2003
Prior Transfer Doc	0000053324
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 30, 2021
Property Address	16169 SADDLE SUMMIT RD, RAMONA, CA 92065-7213
Document Number	0000475621
Map Reference	FILE 17-157403
Instrument Date	Jun 25, 2021
Instrument	2021-0475621
Transaction Type	Transfer
Record Updated	Jul 08, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	16169 SADDLE SUMMIT RD, RAMONA, CA 92065-7213

Mortgage

Document Number	0000475622
Date	Jun 30, 2021
Instrument	2021-0475622

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$839,097 (+2%) Land $503,463 Building $335,634
2025	$8,920.00 (+6.58%)	$822,645 (+4.04%) Land $493,592 Building $329,053
2023	$8,369.00 (-0.77%)	$790,702 Land $474,426 Building $316,276
2022	$8,434.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	2 (2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2016, rainfall accumulation

Wildfire

Wildfire Risk	Extreme above 99% of the US · above 93% of California
Wildfire Likelihood	About 1 in 34 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.