16731 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16731 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,554 sqft · built 1996
Lot Size	0.317 acres (13,828 sqft)
Owner	2 Individual Names on Record
Last Sale	$955,000 (Jan 2022)
Tax Bill	$11,686 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-31-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-31-00`

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	13,828 sqft (0.317 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16731 VISTA SMT
City	RAMONA
State	CA
Zip	92065-6850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 199 TR 012754
Legal Subdivision	CITY/RAMONA 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	199
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	16731 VISTA SMT, RAMONA, CA 92065-6850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU
Jun 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 10, 2018	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Prior Sale	May 10, 2018 · Amount on Record
Deed Document Number	20228765
Prior Transfer Date	Feb 11, 2016
Prior Transfer Doc	0000073595
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 6, 2022
Property Address	16731 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000008765
Map Reference	MAP 12754
Instrument Date	Jan 3, 2022
Instrument	2022-0008765
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	GUARDIAN 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	Community Property with Right of Survivorship
Address	16731 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000008766
Date	Jan 6, 2022
Instrument	2022-0008766

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16731 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212996
Date	Jun 4, 2019
Instrument	2019-0212996

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2018
Property Address	16731 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000189958
Map Reference	MAP 12754
Instrument Date	Apr 20, 2018
Instrument	2018-0189958
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE

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	16731 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000189959
Date	May 10, 2018
Instrument	2018-0189959

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$1,033,721 (+2%) Land $347,467 Building $686,254
2025	$11,686.00 (+9.17%) Homeowner's exemption	$1,013,453 (+7.7%) Land $340,654 Building $672,799
2023	$10,704.00 (+13.47%) Homeowner's exemption	$941,000 Land $316,000 Building $625,000
2022	$9,433.00

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	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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