16704 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16704 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1996
Lot Size	0.364 acres (15,858 sqft)
Owner	Individual Name on File
Last Sale	$685,000 (May 2019)
Tax Bill	$9,125 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`278-492-15-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-15-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,797 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	15,858 sqft (0.364 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16704 VISTA SMT
City	RAMONA
State	CA
Zip	92065-6848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 183 TR 012754
Legal Subdivision	SAN DIEGO 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	183
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16704 Vista Summit is owned by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12716 TUSTIN ST, POWAY, CA 92064-6039
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
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 17, 2019	Grant Deed, Transfer · Conventional with PMI CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Jul 11, 2013 · Amount on File
Deed Document Number	2019188201
Prior Transfer Date	Jan 31, 2012
Prior Transfer Doc	0000078142
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16704 VISTA SMT, RAMONA, CA 92065-6848
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16704 VISTA SMT, RAMONA, CA 92065-6848

Mortgage

Document Number	0000082051
Date	Feb 23, 2022
Instrument	2022-0082051

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 17, 2019
Property Address	16704 VISTA SMT, RAMONA, CA 92065-6848
Document Number	0000188201
Instrument Date	Apr 17, 2019
Instrument	188201
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$753.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12716 TUSTIN ST POWAY CA 920646039, POWAY, CA 92064-6039

Mortgage

Document Number	188202
Date	May 17, 2019
Instrument	188202

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16704 Vista Summit was $9,125.

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		$779,406 (+2%) Land $208,758 Building $570,648
2025	$9,125.00	$764,124 Land $204,665 Building $559,459
2023	$8,600.00 (-0.84%)	$734,454 Land $196,718 Building $537,736
2022	$8,673.00

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

Flood

FEMA maps place 16704 Vista Summit in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 16704 Vista Summit is high, ranking above 86% of the US, with a 0.9% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 86% of the US · above 66% of California
Wildfire Likelihood	0.9% 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.

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.

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