16396 Whispering Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16396 Whispering Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,202 sqft · built 1989
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Jul 2016)
Tax Bill	$7,550 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`278-410-12-00`

Property Details

APN / Parcel Number

Primary APN	`278-410-12-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,202 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	98,010 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	16396 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	PAR 2 TR PM10251
Legal Tract	10251
Legal Block	2
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	2 Individual Names on Record
Mailing Address	16396 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Apr 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISSION FED'L SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2016 · Amount on Record
Deed Sale	Jul 13, 2016 · Amount on Record
Prior Sale	Apr 25, 2014 · Amount on Record
Deed Document Number	2016350770
Prior Transfer Date	Jul 19, 2012
Prior Transfer Doc	0000484876
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16396 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16396 WHISPERING OAKS DR, RAMONA, CA 92065-6933

Mortgage

Document Number	0000742031
Date	Oct 25, 2021
Instrument	2021-0742031

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16396 WHISPERING OAKS DR, RAMONA, CA 92065-6933
Document Number	0000144646
Instrument Date	Apr 7, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16396 WHISPERING OAKS DR RAMONA CA 920656933, RAMONA, CA 92065-6933

Mortgage

Document Number	0000144646
Date	Apr 12, 2018
Instrument	144646

Lender

Name	MISSION FED'L SVC
Address	SAN DIEGO, CA 92191-9023

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 11, 2033

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		$704,350 (+2%) Land $153,450 Building $550,900
2025	$7,550.00 (-0.53%)	$690,541 (+4.04%) Land $150,442 Building $540,099
2024	$7,590.00 (+7.54%)
2023	$7,058.00 (-1.18%)	$663,728 Land $144,601 Building $519,127
2022	$7,142.00

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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