16797 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16797 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,181 sqft · built 1997
Lot Size	0.237 acres (10,317 sqft)
Owner	Company Name on File
Last Sale	$949,000 (Nov 2021)
Tax Bill	$2,800 (2025)
Deeds & Mortgages	Nov 2021 Sale Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-25-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-25-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,181 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	10,317 sqft (0.237 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16797 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 193 TR 012754
Legal Subdivision	SAN DIEGO 4826-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	193
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16797 Vista Summit is owned by a company that bought it in November 2021 and is owner-occupied.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	16797 VISTA SMT, RAMONA, CA 92065-6850
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Grant Deed, Transfer FIDELITY NATL TTL SAN DIEGO
Oct 27, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 19, 2019	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Mar 19, 2019 · Amount on File
Deed Document Number	2021782649
Prior Transfer Date	Jun 30, 2011
Prior Transfer Doc	0000333183
Record Updated	Oct 29, 2026

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 12, 2021
Property Address	16797 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000782649
Map Reference	MAP 12754
Instrument Date	Oct 4, 2021
Instrument	2021-0782649
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount 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	16797 VISTA SMT, RAMONA, CA 92065-6850

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16797 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	16797 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000660734
Date	Oct 27, 2020
Instrument	2020-0660734

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	FORESTVILLE, MI 48434

Agreement

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

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2019
Property Address	16797 VISTA SMT, RAMONA, CA 92065-6850
Document Number	0000098488
Map Reference	MAP 12754
Instrument Date	Feb 8, 2019
Instrument	2019-0098488
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	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	16797 VISTA SMT, RAMONA, CA 92065-6850

Mortgage

Document Number	0000098489
Date	Mar 19, 2019
Instrument	2019-0098489

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16797 Vista Summit was $2,800 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		$176,216 (+2%) Land $82,469 Building $93,747
2025	$2,800.00 Homeowner's exemption	$172,761 Land $80,852 Building $91,909
2023	$2,533.00 (-5.98%) Homeowner's exemption	$166,054 Land $77,713 Building $88,341
2022	$2,694.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16797 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 16797 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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