16331 Whispering Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16331 Whispering Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,684 sqft · built 1991
Lot Size	1.05 acres (45,738 sqft)
Owner	Company Name on Record
Last Sale	$595,000 (Aug 2014)
Tax Bill	$7,712 (2025)
Deeds & Mortgages	Nov 2022 Transfer Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-371-44-00`

Property Details

APN / Parcel Number

Primary APN	`278-371-44-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,684 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Lot Area	45,738 sqft
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16331 WHISPERING OAKS DR
City	RAMONA
State	CA
Zip	92065-6933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 7 TR 012032
Legal Subdivision	SAN DIEGO 4594-1
Legal Tract	012032
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2022
Census Tract	20801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Intrafamily Transfer, Transfer
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 6, 2018	Loan Modification, Mortgage · Conventional Mortgage BANNER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2014 · Amount on Record
Deed Sale	Aug 20, 2014 · Amount on Record
Prior Sale	Mar 2, 2004 · Amount on Record
Deed Document Number	2014358594
Prior Transfer Date	May 8, 2014
Prior Transfer Doc	0000242345
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 1, 2022
Property Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Document Number	0000421484
Map Reference	MAP 12032
Instrument Date	Oct 26, 2022
Instrument	2022-0421484
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933

Mortgage

Document Number	0000830154
Date	Dec 7, 2021
Instrument	2021-0830154

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933

Mortgage

Document Number	0000686127
Date	Nov 4, 2020
Instrument	2020-0686127

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	16331 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Document Number	0000050657
Instrument Date	Feb 6, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16331 WHISPERING OAKS DR RAMONA CA 920656933, RAMONA, CA 92065-6933

Mortgage

Document Number	0000050657
Date	Feb 8, 2018
Instrument	50657

Lender

Name	BANNER BK
Type	Bank
Address	SAN DIEGO, CA 92106-2633

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$729,391 (+2%) Land $241,359 Building $488,032
2025	$7,712.00 (+6.98%) Homeowner's exemption	$715,090 (+4.04%) Land $236,627 Building $478,463
2023	$7,209.00 (-1.1%) Homeowner's exemption	$687,325 Land $227,440 Building $459,885
2022	$7,289.00

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

Flood

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	2 (1980–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2017 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 92% of the US · above 76% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

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