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16642 Granite Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16642 Granite Dr, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,554 sqft · built 1996
Lot Size0.252 acres (10,998 sqft)
Owner2 Individual Names on File
Last Sale$690,000 (May 2020)
Tax Bill$8,950 (2025)
Deeds & MortgagesOct 2021 Mortgage
May 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN278-491-22-00

Property Details

APN / Parcel Number

Primary APN278-491-22-00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,554 sqft Living Area

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Lot Area10,998 sqft (0.252 acres)
Garage TypeCarport
CarportCarport
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address16642 GRANITE DR
CityRAMONA
StateCA
Zip92065-6843
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 168 TR 012754
Legal SubdivisionSAN DIEGO 4626-3
Legal Tract012754
Legal Block2
Legal Lot Number168
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group2
Census Block2001
Census Tract17021

Owner

Source: San Diego County records · APN 278-491-22-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address16642 GRANITE DR, RAMONA, CA 92065-6843
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 28, 2020Grant Deed, Transfer · FHA Mortgage
BAY EQUITY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 28, 2020 · Amount on Record
Deed SaleMay 28, 2020 · Amount on Record
Prior SaleNov 28, 2000 · Amount on Record
Deed Document Number2020271451
Prior Transfer DateOct 01, 2014
Prior Transfer Doc0000439823
Record UpdatedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address16642 GRANITE DR, RAMONA, CA 92065-6843
Transaction TypeMortgage
Record UpdatedOct 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address16642 GRANITE DR, RAMONA, CA 92065-6843

Mortgage

Document Number0000715385
DateOct 14, 2021
Instrument2021-0715385
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term358 Months
DueAug 01, 2051

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 28, 2020
Property Address16642 GRANITE DR, RAMONA, CA 92065-6843
Document Number0000271451
Instrument DateMay 04, 2020
Instrument271451
Transaction TypeTransfer
Record UpdatedJun 05, 2020
Title CompanyCORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$759.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address16642 GRANITE DR RAMONA CA 920656843, RAMONA, CA 92065-6843

Mortgage

Document Number271452
DateMay 28, 2020
Instrument271452
Lender
NameBAY EQUITY
TypeFunding / Finance Company
AddressCORTE MADERA, CA 94925
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 27, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$769,701 (+2%) Land $215,410 Building $554,291
2025$8,950.00 (+6.17%) Homeowner's exemption$754,610 (+4.04%) Land $211,187 Building $543,423
2023$8,430.00 (-0.87%) Homeowner's exemption$725,310 Land $202,988 Building $522,322
2022$8,504.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730170212, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1998)
Most Recent ClaimFeb 1998, rainfall accumulation, Severe Winter Storms And Flooding

Wildfire

Wildfire RiskExtreme
above 95% of the US · above 82% of California
Wildfire LikelihoodAbout 1 in 72 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 95 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: San Diego Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

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