San Diego County property record for 16540 Arena Dr, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,664 sqft · built 1979 |
| Lot Size | 0.417 acres (18,181 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Feb 2016) |
| Tax Bill | $6,360 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 288-402-29-00 |
| Primary APN | 288-402-29-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Conventional |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 18,181 sqft (0.417 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16540 ARENA DR |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-4107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 357 TR 007519 |
| Legal Subdivision | SAN DIEGO COUNTRY ESTATES I |
| Legal Tract | 007519 |
| Legal Block | 3 |
| Legal Lot Number | 357 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20810 |
Source: San Diego County records, as of July 28, 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 | 16540 ARENA DR, RAMONA, CA 92065-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Nov 16, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2016 · Amount on Record |
| Deed Sale | Feb 2, 2016 · Amount on Record |
| Prior Sale | Dec 29, 2009 · Amount on Record |
| Deed Document Number | 201647136 |
| Prior Transfer Date | Jul 10, 2013 |
| Prior Transfer Doc | 0000476156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16540 ARENA DR, RAMONA, CA 92065-4107 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV |
| Name | Verified Name |
|---|---|
| Address | 16540 ARENA DR, RAMONA, CA 92065-4107 |
| Document Number | 0000565468 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 2021-0565468 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16540 ARENA DR, RAMONA, CA 92065-4107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 16540 ARENA DR, RAMONA, CA 92065-4107 |
| Document Number | 0000718046 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 2020-0718046 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $519,203 (+2%) Land $266,302 Building $252,901 | |
| 2025 | $6,360.00 (+7.63%) Homeowner's exemption | $509,024 (+4.04%) Land $261,081 Building $247,943 |
| 2023 | $5,909.00 (-2.46%) Homeowner's exemption | $489,260 Land $250,944 Building $238,316 |
| 2022 | $6,058.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 in force |
| Nearby Flood Claims | 5 (1998–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 52% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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