16783 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16783 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1997
Lot Size	0.299 acres (13,044 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Jul 2017)
Tax Bill	$9,407 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-28-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-28-00`

Interior

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

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	13,044 sqft (0.299 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16783 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 196 TR 012754
Legal Subdivision	RAMONA 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	196
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	16783 VISTA SMT, RAMONA, CA 92065-6850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 18, 2017	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2017 · Amount on Record
Deed Sale	Jul 18, 2017 · Amount on Record
Prior Sale	Feb 26, 2010 · Amount on Record
Deed Document Number	2017323369
Prior Transfer Date	Jan 21, 2010
Prior Transfer Doc	0000097664
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16783 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16783 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000541890
Date	Sep 16, 2020
Instrument	2020-0541890

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16783 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000470418
Date	Oct 18, 2019
Instrument	2019-0470418

Lender

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

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2017
Property Address	16783 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000323369
Map Reference	MAP12754
Instrument Date	Jun 16, 2017
Instrument	2017-0323369
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR 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	16783 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000323370
Date	Jul 18, 2017
Instrument	2017-0323370

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$806,598 (+2%) Land $297,818 Building $508,780
2025	$9,407.00 (+6.05%)	$790,783 (+4.04%) Land $291,979 Building $498,804
2023	$8,870.00 (-0.77%)	$760,078 Land $280,642 Building $479,436
2022	$8,939.00

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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