San Diego County property record for 16357 Whispering Oaks Dr, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,224 sqft · built 1987 |
| Lot Size | 2.01 acres (87,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $677,000 (Nov 2020) |
| Tax Bill | $7,918 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 278-371-34-00 |
| Primary APN | 278-371-34-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,224 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 87,556 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16357 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 | SEC 25-13-1W SWQ PAR G1 PER DOC86-50464 IN NWQ OF NWQ OF |
| Legal Range | 01W |
| Legal Township | 13 |
| Legal Section | 25 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 20801 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16357 WHISPERING OAKS DR, RAMONA, CA 92065-6933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2020 · Amount on Record |
| Deed Sale | Nov 9, 2020 · Amount on Record |
| Prior Sale | Sep 15, 2000 · Amount on Record |
| Deed Document Number | 2020701030 |
| Prior Transfer Date | May 28, 2014 |
| Prior Transfer Doc | 0000267132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 9, 2020 |
| Property Address | 16357 WHISPERING OAKS DR, RAMONA, CA 92065-6933 |
| Document Number | 0000701030 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 2020-0701030 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16357 WHISPERING OAKS DR, RAMONA, CA 92065-6933 |
| Document Number | 0000701031 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 2020-0701031 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $747,458 (+2%) Land $207,593 Building $539,865 | |
| 2025 | $7,918.00 (+6.9%) Homeowner's exemption | $732,803 (+4.04%) Land $203,523 Building $529,280 |
| 2023 | $7,407.00 (-1.03%) Homeowner's exemption | $704,349 Land $195,621 Building $508,728 |
| 2022 | $7,484.00 |
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 | 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.
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.
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 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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