San Diego County property record for 16491 Mountain Shadow Ln, Ramona, CA 92065 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,784 sqft · built 1989 |
| Lot Size | 2.06 acres (90,169 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (May 1988) |
| Tax Bill | $3,412 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 278-410-37-00 |
| Primary APN | 278-410-37-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,784 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 90,169 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16491 MOUNTAIN SHADOW LN |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-6926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR 4 TR PM14654 |
| Legal Tract | 14654 |
| 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 · APN 278-410-37-00
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16491 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 13, 1988 · Amount on Record |
| Deed Sale | May 13, 1988 · Amount on Record |
| Deed Document Number | 1988226176 |
| Last Transfer Date | Nov 09, 2001 |
| Transfer Doc | 0000877728 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16491 MOUNTAIN SHADOW LN, RAMONA, CA 92065-6926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000156712 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 2020-0156712 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $312,335 (+2%) Land $139,068 Building $173,267 | |
| 2025 | $3,412.00 (+10.53%) Homeowner's exemption | $306,212 (+4.04%) Land $136,342 Building $169,870 |
| 2023 | $3,087.00 (-4.37%) Homeowner's exemption | $294,324 Land $131,049 Building $163,275 |
| 2022 | $3,228.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Very High above 92% of the US · above 76% of California |
|---|---|
| Wildfire Likelihood | About 1 in 72 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 100 |
| San Diego Broadband | Fixed Wireless (unlicensed) | 500 / 100 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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