San Diego County property record for 16327 Oakley Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,040 sqft · built 1979 |
| Lot Size | 0.464 acres (20,209 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $299,000 (Dec 2011) |
| Tax Bill | $4,986 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-361-43-00 |
| Primary APN | 288-361-43-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,040 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 20,209 sqft (0.464 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16327 OAKLEY RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 105 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 105 |
| 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 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 21, 2022 | Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA |
| Sep 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2011 · Amount on Record |
| Deed Sale | Dec 2, 2011 · Amount on Record |
| Prior Sale | Apr 27, 2011 · Amount on Record |
| Deed Document Number | 2011648669 |
| Last Transfer Date | Jul 11, 2025 |
| Transfer Doc | 0000193400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Document Number | 0000299748 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022-0299748 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | CORINTHIAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000441822 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 2017-0441822 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Document Number | 0000458221 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021-0458221 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16327 OAKLEY RD, RAMONA, CA 92065-4231 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1951 COAST BLVD 195, 195, DEL MAR, CA 92014-2117 |
| Document Number | 0000457351 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021-0457351 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5% |
| Index | Other |
| Max Rate | 9% |
Source: San Diego County assessment roll, as of July 28, 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 | $383,055 (+2%) Land $105,102 Building $277,953 | |
| 2025 | $4,986.00 (+7.69%) | $375,545 (+4.04%) Land $103,042 Building $272,503 |
| 2023 | $4,630.00 (-2.77%) | $360,964 Land $99,042 Building $261,922 |
| 2022 | $4,762.00 |
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 88% of the US · above 69% of California |
|---|---|
| Wildfire Likelihood | 0.9% 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.
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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