16930 Handlebar Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16930 Handlebar Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,495 sqft · built 1952
Lot Size	4.48 acres (195,149 sqft)
Owner	Company Name on Record
Tax Bill	$3,999 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-361-16-00`

Property Details

APN / Parcel Number

Primary APN	`278-361-16-00`
Alternative APN	`2781124200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	3,495 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	195,149 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	6 Parking Spaces

Location & Zoning

Old Parcel Number	2781124200
Street Address	16930 HANDLEBAR RD
City	RAMONA
State	CA
Zip	92065-7007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 25-13-1W NEQ D75-200319 IN TR 000863
Legal Range	01W
Legal Township	13
Legal Section	25
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2028
Census Tract	20801

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	Company Name on Record
Mailing Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 1, 2017
Transfer Doc	0000570711
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007

Mortgage

Document Number	0000016694
Date	Jan 12, 2022
Instrument	2022-0016694

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000237455
Date	May 11, 2020
Instrument	2020-0237455

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107174
Date	Mar 26, 2019
Instrument	2019-0107174

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2017
Property Address	16930 HANDLEBAR RD, RAMONA, CA 92065-7007
Document Number	0000570711
Instrument Date	Dec 1, 2017
Instrument	570711
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16930 HANDLEBAR RD RAMONA CA 920657007, RAMONA, CA 92065-7007

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		$345,901 (+2%) Land $57,938 Building $287,963
2025	$3,999.00 (+15.21%) Homeowner's exemption	$339,119 (+4.04%) Land $56,802 Building $282,317
2023	$3,471.00 (-8.56%) Homeowner's exemption	$325,953 Land $54,598 Building $271,355
2022	$3,796.00

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	5 in force
Nearby Flood Claims	2 (1980–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2017 · rainfall accumulation

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 92% of the US · above 76% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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