1640 Ramona Ave, Spring Valley, CA 91977 Property Records

San Diego County property record for 1640 Ramona Ave, Spring Valley, CA 91977

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,422 sqft · built 2006
Lot Size	0.138 acres (5,993 sqft)
Owner	2 Individual Names on File
Last Sale	$521,500 (Jun 2017)
Tax Bill	$7,808 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`579-352-16-00`

Property Details

APN / Parcel Number

Primary APN	`579-352-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,422 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	5,993 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1640 RAMONA AVE
City	SPRING VALLEY
State	CA
Zip	91977-4360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 51 LOT 17 ALLEY CLSD ADJ& TR 001317
Legal Subdivision	EAST SAN DIEGO MASONIC LODGE
Legal Tract	001317
Legal Block	51
Legal Lot Number	17
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	13905

Owner

1640 Ramona Ave is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Nov 17, 2021	Deed of Trust, Mortgage · VA Mortgage MUFG UNION BANK NA
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 6, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on File
Deed Sale	Jun 6, 2017 · Amount on File
Prior Sale	Apr 26, 2016 · Amount on File
Deed Document Number	2017253579
Prior Transfer Date	Jul 21, 2011
Prior Transfer Doc	0000389281
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360
Transaction Type	Mortgage
Record Updated	Apr 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360

Mortgage

Document Number	0000083799
Date	Apr 3, 2023
Instrument	2023-0083799

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360

Mortgage

Document Number	0000793165
Date	Nov 17, 2021
Instrument	2021-0793165

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388613
Date	Jul 20, 2020
Instrument	2020-0388613

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 6, 2017
Property Address	1640 RAMONA AVE, SPRING VALLEY, CA 91977-4360
Document Number	0000253579
Instrument Date	May 15, 2017
Instrument	253579
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	TITLE 365

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1640 RAMONA AVE SPRING VALLEY CA 919774360, SPRING VALLEY, CA 91977-4360

Mortgage

Document Number	253580
Date	Jun 6, 2017
Instrument	253580

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1640 Ramona Ave was $7,808 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	Grossmont Union High School District (09 - 12)
Elementary School District	La Mesa-Spring Valley School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$617,341 (+2%) Land $258,422 Building $358,919
2025	$7,808.00 Homeowner's exemption	$605,237 Land $253,355 Building $351,882
2023	$7,303.00 (+1.52%) Homeowner's exemption	$581,737 Land $243,518 Building $338,219
2022	$7,194.00

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

Flood

FEMA maps place 1640 Ramona Ave in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 1640 Ramona Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	Viejas Community System tribal government · serves 9,600 people · EPA ID 090600158
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	OTAY WATER DISTRICT, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Under 1 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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 359 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

May also be available: Verizon.

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