16425 Wikiup Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16425 Wikiup Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,493 sqft · built 2004
Lot Size	0.462 acres (20,129 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Aug 2018)
Tax Bill	$9,844 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Nov 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`288-472-10-00`

Property Details

APN / Parcel Number

Primary APN	`288-472-10-00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	3,493 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	20,129 sqft (0.462 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	16425 WIKIUP RD
City	RAMONA
State	CA
Zip	92065-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 683 TR 007519
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007519
Legal Block	1
Legal Lot Number	683
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1011
Census Tract	20810

Owner

Source: San Diego County records, as of October 12, 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 Record
Mailing Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 26, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Aug 28, 2018	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Prior Sale	Jul 18, 2013 · Amount on Record
Deed Document Number	2018355150
Prior Transfer Date	Jul 22, 2004
Prior Transfer Doc	0000721457
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 2, 2026
Property Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Document Number	0000286924
Instrument Date	Sep 22, 2026
Instrument	2026286924
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16425 WIKIUP RD, RAMONA, CA 92065-4643

Mortgage

Document Number	0000286924,
Date	Oct 2, 2026
Instrument	2026286924

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16425 WIKLUP RD, RAMONA, CA 92065-4643

Mortgage

Document Number	0000812014
Date	Nov 29, 2021
Instrument	2021-0812014

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16425 WIKIUP RD, RAMONA, CA 92065-4643

Mortgage

Document Number	0000729579
Date	Oct 20, 2021
Instrument	2021-0729579

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Document Number	0000173384
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16425 WIKIUP RD RAMONA CA 920654643, RAMONA, CA 92065-4643

Mortgage

Document Number	0000173384
Date	Apr 6, 2020
Instrument	173384

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2018
Property Address	16425 WIKIUP RD, RAMONA, CA 92065-4643
Document Number	0000355150
Instrument Date	Jul 19, 2018
Instrument	355150
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16425 WIKIUP RD RAMONA CA 920654643, RAMONA, CA 92065-4643

Mortgage

Document Number	355151
Date	Aug 28, 2018
Instrument	355151

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

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		$859,052 (+2%) Land $245,646 Building $613,406
2025	$9,844.00 (+6.01%) Homeowner's exemption	$842,209 (+4.04%) Land $240,830 Building $601,379
2023	$9,286.00 (-0.65%) Homeowner's exemption	$809,507 Land $231,479 Building $578,028
2022	$9,347.00

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	4 (2005–2015)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2015 · 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 94% of the US · above 79% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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