San Diego County property record for 16351 Oakley Rd, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,757 sqft · built 1987 |
| Lot Size | 0.43 acres (18,752 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $307,500 (May 2010) |
| Tax Bill | $5,133 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-362-23-00 |
| Primary APN | 288-362-23-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Tile |
| Lot Area | 18,752 sqft (0.43 acres) |
| View / Lot | Good |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16351 OAKLEY RD |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4270 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 101 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 101 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20810 |
16351 Oakley Rd is owned and occupied by two individuals who acquired it in May 2017.
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 File |
|---|---|
| Mailing Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Mar 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 29, 2017 | Quit Claim Deed, Transfer · FHA Mortgage BAY EQUITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2010 · Amount on File |
| Deed Sale | May 7, 2010 · Amount on File |
| Prior Sale | Feb 12, 2010 · Amount on File |
| Deed Document Number | 2010230204 |
| Last Transfer Date | May 5, 2017 |
| Transfer Doc | 0000294902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Document Number | 0000361697 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 2022-0361697 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Document Number | 0000162859 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 2021-0162859 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 29, 2017 |
| Property Address | 16351 OAKLEY RD, RAMONA, CA 92065-4270 |
| Document Number | 0000294902 |
| Instrument Date | May 5, 2017 |
| Instrument | 294902 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16351 OAKLEY RD RAMONA CA 920654270, RAMONA, CA 92065-4270 |
| Document Number | 294903 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 294903 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2047 |
The 2025 property tax bill for 16351 Oakley Rd was $5,133 with a homeowner's exemption.
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 | $404,455 (+2%) Land $171,156 Building $233,299 | |
| 2025 | $5,133.00 Homeowner's exemption | $396,525 Land $167,800 Building $228,725 |
| 2023 | $4,769.00 (-2.61%) Homeowner's exemption | $381,130 Land $161,285 Building $219,845 |
| 2022 | $4,897.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 16351 Oakley Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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.
Wildfire risk around 16351 Oakley Rd is high, ranking above 88% of the US, with a 0.9% annual chance of wildfire.
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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