16544 Wikiup Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16544 Wikiup Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,961 sqft · built 1989
Lot Size	0.476 acres (20,724 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Jun 2019)
Tax Bill	$5,353 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jul 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`288-472-25-00`

Property Details

APN / Parcel Number

Primary APN	`288-472-25-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,961 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	20,724 sqft (0.476 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16544 WIKIUP RD
City	RAMONA
State	CA
Zip	92065-4683
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 760 TR 007519
Legal Subdivision	SAN DIEGO COUNTRY ESTATES I
Legal Tract	007519
Legal Block	1
Legal Lot Number	760
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1012
Census Tract	20810

Owner

Source: San Diego County records, as of July 22, 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 Record
Mailing Address	16544 WIKIUP RD, RAMONA, CA 92065-4683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Apr 16, 2020	Deed of Trust, Mortgage · VA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Jun 14, 2019	Grant Deed, Transfer · VA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Mar 15, 1996 · Amount on Record
Deed Document Number	2019231650
Prior Transfer Date	Mar 24, 2011
Prior Transfer Doc	0000236387
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16544 WIKIUP RD, RAMONA, CA 92065-4683
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16554 WIKIUP RD, RAMONA, CA 92065-4683

Mortgage

Document Number	0000005806
Date	Jan 9, 2024
Instrument	2024-0005806

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Nov 1, 2038

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16544 WIKIUP RD, RAMONA, CA 92065-4683
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000314286
Date	Jul 12, 2017
Instrument	2017-0314286

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16544 WIKIUP RD, RAMONA, CA 92065-4683
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194245
Date	Apr 16, 2020
Instrument	2020-0194245

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2019
Property Address	16544 WIKIUP RD, RAMONA, CA 92065-4683
Document Number	0000231650
Map Reference	MAP 7519
Instrument Date	May 16, 2019
Instrument	2019-0231650
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Address	16544 WIKIUP RD, RAMONA, CA 92065-4683

Mortgage

Document Number	0000231651
Date	Jun 14, 2019
Instrument	2019-0231651

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$597,353 (+2%) Land $183,773 Building $413,580
2025	$5,353.00 (-20.8%)	$585,641 (+4.04%) Land $180,170 Building $405,471
2023	$6,759.00 (-1.46%)	$562,902 Land $173,175 Building $389,727
2022	$6,859.00

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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