16775 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16775 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,554 sqft · built 1997
Lot Size	0.344 acres (14,986 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Jul 2016)
Tax Bill	$8,886 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-29-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-29-00`

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	14,986 sqft (0.344 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16775 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 197 TR 012754
Legal Subdivision	RAMONA 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	197
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Oct 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 22, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 1, 2016 · Amount on Record
Deed Sale	Jul 1, 2016 · Amount on Record
Prior Sale	Sep 9, 2009 · Amount on Record
Deed Document Number	2016329944
Prior Transfer Date	May 2, 2005
Prior Transfer Doc	0000374578
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	STOCKDALE TITLE COMPANY, SOCAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16775 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000282612
Date	Oct 9, 2025
Instrument	2025-0282612

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	STOCKDALE TITLE COMPANY, SOCAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16775 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000282611
Date	Oct 9, 2025
Instrument	2025-0282611

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	May 10, 2023
Title Company	CLEARMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16775 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000113177
Date	May 1, 2023
Instrument	2023-0113177

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	CLEARMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16775 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000497807
Date	Jul 12, 2021
Instrument	2021-0497807

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16775 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000030683
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16775 VISTA SMT RAMONA CA 920656850, RAMONA, CA 92065-6850

Mortgage

Document Number	0000030683
Date	Jan 28, 2019
Instrument	30683

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

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		$763,540 (+2%) Land $293,667 Building $469,873
2025	$8,886.00 (+6.18%) Homeowner's exemption	$748,569 (+4.04%) Land $287,909 Building $460,660
2023	$8,369.00 (-0.89%) Homeowner's exemption	$719,503 Land $276,730 Building $442,773
2022	$8,444.00

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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