16793 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16793 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,909 sqft · built 1997
Lot Size	0.362 acres (15,786 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (Sep 2020)
Tax Bill	$11,917 (2025)
Deeds & Mortgages	Feb 2017 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-26-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-26-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,909 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	15,786 sqft (0.362 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16793 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 194 TR 012754
Legal Subdivision	SAN DIEGO 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	194
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16793 Vista Summit is owned and occupied by an individual who bought it in September 2020.

Source: San Diego County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	16793 VISTA SMT, RAMONA, CA 92065-6850
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 27, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 14, 2020	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on File
Deed Sale	Sep 14, 2020 · Amount on File
Prior Sale	Dec 26, 1996 · Amount on File
Deed Document Number	2020537524
Prior Transfer Date	Jun 24, 2005
Prior Transfer Doc	0000538607
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16793 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092559
Date	Feb 27, 2017
Instrument	2017-0092559

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16793 VISTA SMT, RAMONA, CA 92065-6850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000269256
Date	May 28, 2020
Instrument	2020-0269256

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2020
Property Address	16793 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000537524
Map Reference	MAP 12754
Instrument Date	Aug 23, 2020
Instrument	2020-0537524
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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
Address	16793 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000537525
Date	Sep 14, 2020
Instrument	2020-0537525

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16793 Vista Summit was $11,917.

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		$1,048,871 (+2%) Land $213,554 Building $835,317
2025	$11,917.00	$1,028,306 Land $209,367 Building $818,939
2023	$11,277.00 (-0.3%)	$988,378 Land $201,238 Building $787,140
2022	$11,311.00

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

Flood

FEMA maps place 16793 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 16793 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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