16443 Mountain Shadow Ln, Ramona, CA 92065 Property Records

San Diego County property record for 16443 Mountain Shadow Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1987
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$828,000 (Jan 2022)
Tax Bill	$9,571 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`278-410-23-00`

Property Details

APN / Parcel Number

Primary APN	`278-410-23-00`
Alternative APN	`2784101900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,684 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Lot Area	87,120 sqft
View / Lot	Good
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	2784101900
Street Address	16443 MOUNTAIN SHADOW LN
City	RAMONA
State	CA
Zip	92065-6926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 26-13-1W SEQ DOC86-66257 IN NWQ OF NWQ OF
Legal Range	01W
Legal Township	13
Legal Section	26
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 21, 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	16443 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Jan 16, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Jan 16, 2004 · Amount on Record
Deed Document Number	202221688
Prior Transfer Date	Oct 2, 1997
Prior Transfer Doc	0000540036
Record Updated	Sep 20, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 14, 2022
Property Address	16443 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926
Document Number	0000021688
Instrument Date	Dec 17, 2021
Instrument	2022-0021688
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16443 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926

Mortgage

Document Number	0000021689
Date	Jan 14, 2022
Instrument	2022-0021689

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2019
Property Address	16443 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926
Document Number	0000017159
Instrument Date	Jan 11, 2019
Instrument	17159
Transaction Type	Transfer
Record Updated	Jan 24, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	16443 MOUNTAIN SHADOW LN RAMONA CA 920656926, RAMONA, CA 92065-6926

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$896,252 (+2%) Land $384,847 Building $511,405
2025	$9,571.00 (+10.55%)	$878,679 (+7.68%) Land $377,301 Building $501,378
2023	$8,658.00 (+27.01%)	$816,000 Land $350,000 Building $466,000
2022	$6,817.00

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 75% 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 59 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
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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