16245 Wikiup Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16245 Wikiup Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,381 sqft · built 2002
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$864,500 (Jan 2026)
Tax Bill	$9,905 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288-220-24-00`

Property Details

APN / Parcel Number

Primary APN	`288-220-24-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,381 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	22,651 sqft (0.52 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16245 WIKIUP RD
City	RAMONA
State	CA
Zip	92065-4639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 236 TR 007450
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007450
Legal Block	1
Legal Lot Number	236
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1011
Census Tract	20810

Owner

16245 Wikiup Rd is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3137 OGALALA AVE, SAN DIEGO, CA 92117-1742
Owner Type	Individual
Vesting	Community Property

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 26, 2026	Grant Deed, Transfer · VA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 16, 2022	Grant Deed, Transfer · Conventional Mortgage NEXT DOOR LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2026 · Amount on File
Deed Sale	Jan 26, 2026 · Amount on File
Prior Sale	Sep 16, 2022 · Amount on File
Deed Document Number	202621699
Prior Transfer Date	Jun 10, 2016
Prior Transfer Doc	0000310425
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 26, 2026
Property Address	16245 WIKIUP RD, RAMONA, CA 92065-4639
Document Number	0000021699
Map Reference	MAP 7450
Instrument Date	Jan 5, 2026
Instrument	2026-0021699
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	WFG NATIONAL TITLE COMPANY

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	Community Property with Right of Survivorship
Address	3137 OGALALA AVE, SAN DIEGO, CA 92117-1742

Mortgage

Document Number	0000021700
Date	Jan 26, 2026
Instrument	2026-0021700

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2022
Property Address	16245 WIKIUP RD, RAMONA, CA 92065-4639
Document Number	0000366897
Map Reference	MAP 7450
Instrument Date	Aug 9, 2022
Instrument	2022-0366897
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	Community Property
Address	16245 WIKIUP RD, RAMONA, CA 92065-4639

Mortgage

Document Number	0000366898
Date	Sep 16, 2022
Instrument	2022-0366898

Lender

Name	NEXT DOOR LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 16245 Wikiup Rd was $9,905.

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		$864,883 (+2%) Land $386,653 Building $478,230
2025	$9,905.00 Homeowner's exemption	$847,925 Land $379,072 Building $468,853
2023	$9,059.00 (+39.13%) Homeowner's exemption	$788,000 Land $352,000 Building $436,000
2022	$6,511.00

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

Flood

FEMA maps place 16245 Wikiup Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

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	5 in force
Nearby Flood Claims	4 (2005–2015)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2015 · rainfall accumulation

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 16245 Wikiup Rd is very high, ranking above 93% 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	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: San Diego Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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