16792 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16792 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1997
Lot Size	0.59 acres (25,696 sqft)
Owner	2 Individual Names on Record
Last Sale	$744,000 (Dec 2019)
Tax Bill	$9,574 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-23-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-23-00`

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	25,696 sqft (0.59 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16792 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 191 TR 012754
Legal Subdivision	RAMONA 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	191
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	2 Individual Names on Record
Mailing Address	16792 VISTA SMT, RAMONA, CA 92065-6849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2017	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 5, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Prior Sale	Mar 27, 2015 · Amount on Record
Deed Document Number	2019566793
Prior Transfer Date	Jul 20, 2006
Prior Transfer Doc	0000713235
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16792 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000160752
Date	Apr 11, 2017
Instrument	2017-0160752

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	RAMONA, CA 92065

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16792 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16792 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000375567
Date	May 17, 2021
Instrument	2021-0375567

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2019
Property Address	16792 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000566793
Instrument Date	Nov 12, 2019
Instrument	566793
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$818.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16792 VISTA SMT RAMONA CA 920656849, RAMONA, CA 92065-6849

Mortgage

Document Number	566794
Date	Dec 5, 2019
Instrument	566794

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 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		$829,939 (+2%) Land $338,891 Building $491,048
2025	$9,574.00 (+6.05%) Homeowner's exemption	$813,667 (+4.04%) Land $332,247 Building $481,420
2023	$9,028.00 (-0.73%) Homeowner's exemption	$782,074 Land $319,347 Building $462,727
2022	$9,094.00

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	Very High above 94% of the US · above 79% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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