16656 Shady Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16656 Shady Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,494 sqft · built 1990
Lot Size	1 acre (43,560 sqft)
Owner	Individual Name on File
Last Sale	$707,000 (Nov 2020)
Tax Bill	$8,241 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`278-410-42-00`

Property Details

APN / Parcel Number

Primary APN	`278-410-42-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,494 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	43,560 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16656 SHADY OAKS DR
City	RAMONA
State	CA
Zip	92065-6937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 16 TR 012041
Legal Subdivision	NUMBER 4594-2
Legal Tract	012041
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2022
Census Tract	20801

Owner

16656 Shady Oaks Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	16656 SHADY OAKS DR, RAMONA, CA 92065-6937
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 4, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Mar 28, 2003 · Amount on File
Deed Document Number	2020688537
Prior Transfer Date	Aug 9, 2017
Prior Transfer Doc	0000381113
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2020
Property Address	16656 SHADY OAKS DR, RAMONA, CA 92065-6937
Document Number	0000688537
Map Reference	MAP 12041
Instrument Date	Oct 12, 2020
Instrument	2020-0688537
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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
Address	16656 SHADY OAKS DR, RAMONA, CA 92065-6937

Mortgage

Document Number	0000688538
Date	Nov 4, 2020
Instrument	2020-0688538

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2017
Property Address	16656 SHADY OAKS DR, RAMONA, CA 92065-6937
Document Number	0000381113
Instrument Date	Aug 9, 2017
Instrument	381113
Transaction Type	Transfer
Record Updated	Aug 28, 2017
Title Company	ATTORNEY ONLY

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	16656 SHADY OAKS DR RAMONA CA 920656937, RAMONA, CA 92065-6937

Tax Assessment & Valuation

The 2025 property tax bill for 16656 Shady Oaks Dr was $8,241 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		$780,579 (+2%) Land $289,414 Building $491,165
2025	$8,241.00 Homeowner's exemption	$765,275 Land $283,740 Building $481,535
2023	$7,716.00 (-0.94%) Homeowner's exemption	$735,561 Land $272,723 Building $462,838
2022	$7,789.00

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

Flood

FEMA maps place 16656 Shady Oaks Dr 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 16656 Shady Oaks Dr is very high, ranking above 92% 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 92% of the US · above 77% of California
Wildfire Likelihood	2% 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 59 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
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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