16610 Granite Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16610 Granite Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,554 sqft · built 1996
Lot Size	0.34 acres (14,817 sqft)
Owner	2 Individual Names on Record
Last Sale	$727,000 (Mar 2019)
Tax Bill	$9,546 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-491-26-00`

Property Details

APN / Parcel Number

Primary APN	`278-491-26-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,554 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	14,817 sqft (0.34 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16610 GRANITE DR
City	RAMONA
State	CA
Zip	92065-6843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 172 TR 012754
Legal Subdivision	SAN DIEGO 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	172
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

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	16610 GRANITE DR, RAMONA, CA 92065-6843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 12, 2019	Grant Deed, Transfer · Conventional Mortgage JMJ FINANCIAL GROUP
Dec 26, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CALIFORNIA COAST CU
Dec 26, 2017	Quit Claim Deed, Transfer LAWYERS TITLE SAN DIEGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2019 · Amount on Record
Deed Sale	Mar 12, 2019 · Amount on Record
Prior Sale	Jun 26, 1998 · Amount on Record
Deed Document Number	201987882
Prior Transfer Date	Dec 20, 2017
Prior Transfer Doc	0000607138
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16610 GRANITE DR, RAMONA, CA 92065-6843
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16610 GRANITE DR, RAMONA, CA 92065-6843

Mortgage

Document Number	0000511461
Date	Jul 19, 2021
Instrument	2021-0511461

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 2, 2020
Property Address	16610 GRANITE DR, RAMONA, CA 92065-6843
Document Number	0000677820
Map Reference	MAP 12754
Instrument Date	Oct 22, 2020
Instrument	2020-0677820
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16610 GRANITE DR, RAMONA, CA 92065-6843

Mortgage

Document Number	0000677821
Date	Nov 2, 2020
Instrument	2020-0677821

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2019
Property Address	16610 GRANITE DR, RAMONA, CA 92065-6843
Document Number	0000087882
Map Reference	MAP 12754
Instrument Date	Feb 14, 2019
Instrument	2019-0087882
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	16610 GRANITE DR, RAMONA, CA 92065-6843

Mortgage

Document Number	0000087883
Date	Mar 12, 2019
Instrument	2019-0087883

Lender

Name	JMJ FINANCIAL GROUP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 26, 2017
Property Address	16610 GRANITE DR, RAMONA, CA 92065-6843
Document Number	0000607138
Instrument Date	Dec 6, 2017
Instrument	607138
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16610 GRANITE DR RAMONA CA 920656843, RAMONA, CA 92065-6843

Mortgage

Document Number	607139
Date	Dec 26, 2017
Instrument	607139

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 26, 2017
Property Address	16610 GRANITE DR, RAMONA, CA 92065-6843
Document Number	0000607140
Instrument Date	Dec 6, 2017
Instrument	607140
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	LAWYERS TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16610 GRANITE DR RAMONA CA 920656843, RAMONA, CA 92065-6843

Tax Assessment & Valuation

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		$827,195 (+2%) Land $250,630 Building $576,565
2025	$9,546.00 (+6.05%) Homeowner's exemption	$810,976 (+4.04%) Land $245,716 Building $565,260
2023	$9,001.00 (-0.73%) Homeowner's exemption	$779,487 Land $236,176 Building $543,311
2022	$9,067.00

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	3 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 77% 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 95 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: San Diego Broadband.

Nearby Properties on Granite Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures