16776 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16776 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,797 sqft · built 1997
Lot Size	0.292 acres (12,720 sqft)
Owner	Company Name on File
Last Sale	$710,000 (Oct 2017)
Tax Bill	$9,513 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-21-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-21-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,797 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	12,720 sqft (0.292 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16776 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 189 TR 012754
Legal Subdivision	SAN DIEGO 4626-3 MAP 12754
Legal Tract	012754
Legal Block	2
Legal Lot Number	189
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16776 Vista Summit is owned by a company that bought it in October 2017 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 17, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage POINT LOMA CU
Oct 11, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Feb 6, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2017 · Amount on File
Deed Sale	Oct 11, 2017 · Amount on File
Prior Sale	Feb 6, 2017 · Amount on File
Deed Document Number	2017469902
Prior Transfer Date	Aug 12, 2005
Prior Transfer Doc	0000745531
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16776 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000793238
Date	Nov 17, 2021
Instrument	2021-0793238

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16776 VISTA SUMMIT DRIVE, RAMONA, CA 92065-6849

Mortgage

Document Number	0000102476
Date	Feb 9, 2021
Instrument	2021-0102476

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000611282
Date	Dec 28, 2017
Instrument	2017-0611282

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 15, 2028

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 11, 2017
Property Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000469902
Map Reference	MAP12754
Instrument Date	Aug 23, 2017
Instrument	2017-0469902
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	16776 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000469903
Date	Oct 11, 2017
Instrument	2017-0469903

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 6, 2017
Property Address	16776 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000060203
Instrument Date	Dec 30, 2016
Instrument	60203
Transaction Type	Foreclosure
Record Updated	Feb 10, 2017

Transaction

Amount	Amount on Record
Tax	$564.41
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13053 CAMINO DEL VALLE POWAY CA 920641916, POWAY, CA 92064-1916

Tax Assessment & Valuation

The 2025 property tax bill for 16776 Vista Summit was $9,513 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		$824,009 (+2%) Land $362,564 Building $461,445
2025	$9,513.00 Homeowner's exemption	$807,853 Land $355,455 Building $452,398
2023	$8,969.00 (-0.73%) Homeowner's exemption	$776,485 Land $341,653 Building $434,832
2022	$9,035.00

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

Flood

FEMA maps place 16776 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 16776 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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