16764 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16764 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,554 sqft · built 1997
Lot Size	0.334 acres (14,550 sqft)
Owner	Company Name on Record
Last Sale	$675,000 (Jun 2004)
Tax Bill	$11,118 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`278-492-20-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-20-00`

Interior

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

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	14,550 sqft (0.334 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16764 VISTA SMT
City	RAMONA
State	CA
Zip	92065-6849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 188 TR 012754
Legal Subdivision	SAN DIEGO 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	188
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 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	16764 VISTA SMT, RAMONA, CA 92065-6849
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 21, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2004 · Amount on Record
Deed Sale	Jun 18, 2004 · Amount on Record
Prior Sale	Dec 15, 1999 · Amount on Record
Deed Document Number	2004568905
Last Transfer Date	Jun 15, 2007
Transfer Doc	0000419749
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16764 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16764 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000588748
Date	Sep 30, 2020
Instrument	2020-0588748

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2018
Property Address	16764 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000524030
Instrument Date	Dec 20, 2018
Instrument	524030
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18764 VISTA SUMMIT DR RAMONA CA 92065, RAMONA, CA 92065

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$978,850 (+2%) Land $435,045 Building $543,805
2025	$11,118.00 (+11.09%) Homeowner's exemption	$959,658 (+9.68%) Land $426,515 Building $533,143
2023	$10,008.00 (+0.32%) Homeowner's exemption	$875,000 Land $381,000 Building $494,000
2022	$9,976.00

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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