1632 Elm St, Ramona, CA 92065 Property Records

San Diego County property record for 1632 Elm St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1974
Lot Size	2.18 acres (95,396 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jun 2011)
Tax Bill	$3,695 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`279-190-16-00`

Property Details

APN / Parcel Number

Primary APN	`279-190-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,200 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Lot Area	95,396 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	1632 ELM ST
City	RAMONA
State	CA
Zip	92065-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 347 PAR 18 AS PER ROS 4237 IN TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	347
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1004
Census Tract	20812

Owner

1632 Elm St is owned and occupied by an individual who acquired it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1632 ELM ST, RAMONA, CA 92065-1165
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Apr 9, 2020	Quit Claim Deed, Transfer UNITED WHOLESALE MTG
Apr 10, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2019	Quit Claim Deed WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2011 · Amount on File
Deed Sale	Jun 30, 2011 · Amount on File
Prior Sale	Mar 14, 2011 · Amount on File
Deed Document Number	2011333578
Last Transfer Date	Mar 22, 2019
Transfer Doc	0000127799
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1632 ELM ST, RAMONA, CA 92065-1165
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 ELM ST, RAMONA, CA 92065-1165

Mortgage

Document Number	0000837429
Date	Dec 28, 2020
Instrument	2020-0837429

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 9, 2020
Property Address	1632 ELM ST, RAMONA, CA 92065-1165
Document Number	0000182507
Instrument Date	Mar 16, 2020
Instrument	182507
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 ELM ST RAMONA CA 920651165, RAMONA, CA 92065-1165

Mortgage

Document Number	182508
Date	Apr 9, 2020
Instrument	182508

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2019
Property Address	1632 ELM ST, RAMONA, CA 92065-1165
Document Number	0000127800
Map Reference	MAP 644
Instrument Date	Apr 8, 2019
Instrument	2019-0127800
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 ELM ST, RAMONA, CA 92065-1165

Mortgage

Document Number	0000127801
Date	Apr 10, 2019
Instrument	2019-0127801

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2019: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2019
Property Address	1632 ELM ST, RAMONA, CA 92065-1165
Document Number	0000127799
Instrument Date	Mar 22, 2019
Instrument	127799
Record Updated	Apr 18, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1632 ELM ST RAMONA CA 920651165, RAMONA, CA 92065-1165

Tax Assessment & Valuation

The 2025 property tax bill for 1632 Elm St was $3,695 with a homeowner's exemption.

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		$339,621 (+2%) Land $130,672 Building $208,949
2025	$3,695.00 Homeowner's exemption	$332,962 Land $128,110 Building $204,852
2023	$3,359.00 (-3.92%) Homeowner's exemption	$320,036 Land $123,137 Building $196,899
2022	$3,496.00

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

Flood

FEMA maps place 1632 Elm St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 17 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 units insured incl. 20 condo units

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 1632 Elm St is high, ranking above 84% 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 84% of the US · above 64% 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.

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

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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