16492 Shady Bend, Ramona, CA 92065 Property Records

San Diego County property record for 16492 Shady Bend, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,120 sqft · built 1986
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$940,000 (Oct 2021)
Tax Bill	$10,716 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`278-371-32-00`

Property Details

APN / Parcel Number

Primary APN	`278-371-32-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,120 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	87,556 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	16492 SHADY BND
City	RAMONA
State	CA
Zip	92065-6929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM13851
Legal Subdivision	PARCEL MAP NO 13851
Legal Tract	13851
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2019
Census Tract	20801

Owner

16492 Shady Bend is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	16492 SHADY BND, RAMONA, CA 92065-6929
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
Oct 7, 2021	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Apr 26, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021 · Amount on File
Deed Sale	Oct 7, 2021 · Amount on File
Prior Sale	Jul 24, 2006 · Amount on File
Deed Document Number	2021702932
Prior Transfer Date	Mar 8, 2021
Prior Transfer Doc	0000318605
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 7, 2021
Property Address	16492 SHADY BND, RAMONA, CA 92065-6929
Document Number	0000702932
Map Reference	FILE 85-234123
Instrument Date	Sep 22, 2021
Instrument	2021-0702932
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16492 SHADY BND, RAMONA, CA 92065-6929

Mortgage

Document Number	0000702933
Date	Oct 7, 2021
Instrument	2021-0702933

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

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

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2021
Property Address	16492 SHADY BND, RAMONA, CA 92065-6929
Document Number	0000318605
Map Reference	FILE 85-234123
Instrument Date	Mar 8, 2021
Instrument	2021-0318605
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16492 SHADY BND, RAMONA, CA 92065-6929

Tax Assessment & Valuation

The 2025 property tax bill for 16492 Shady Bend was $10,716 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
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,017,484 (+2%) Land $649,458 Building $368,026
2025	$10,716.00 Homeowner's exemption	$997,534 Land $636,724 Building $360,810
2023	$10,090.00 (-0.51%) Homeowner's exemption	$958,800 Land $612,000 Building $346,800
2022	$10,142.00

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

Flood

FEMA maps place 16492 Shady Bend in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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

Wildfire risk around 16492 Shady Bend is very high, ranking above 93% of the US, with a 2% annual chance of wildfire.

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

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	2% 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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