16938 Obsidian Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16938 Obsidian Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1996
Lot Size	0.227 acres (9,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Apr 2025)
Tax Bill	$7,518 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-491-16-00`

Property Details

APN / Parcel Number

Primary APN	`278-491-16-00`

Interior

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

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	9,901 sqft (0.227 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16938 OBSIDIAN DR
City	RAMONA
State	CA
Zip	92065-6839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 149 TR 012754
Legal Subdivision	SAN DIEGO #4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	149
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	16938 OBSIDIAN DR, RAMONA, CA 92065-6839
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 15, 2019	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	202582464
Prior Transfer Date	Nov 14, 1996
Prior Transfer Doc	0000146792
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16938 OBSIDIAN DR, RAMONA, CA 92065-6839
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16938 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000067480
Date	Mar 12, 2026
Instrument	2026-0067480

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16938 OBSIDIAN DR, RAMONA, CA 92065-6839
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16938 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000384334
Date	Sep 30, 2022
Instrument	2022-0384334

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2019
Property Address	16938 OBSIDIAN DR, RAMONA, CA 92065-6839
Document Number	0000463412
Map Reference	MAP 12754
Instrument Date	Oct 2, 2019
Instrument	2019-0463412
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

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	16938 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000463413
Date	Oct 15, 2019
Instrument	2019-0463413

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$1,173,000 (+48.97%) Land $714,000 Building $459,000
2025	$7,518.00 (-14.92%)	$787,420 (+4.04%) Land $379,128 Building $408,292
2023	$8,836.00 (-0.79%)	$756,846 Land $364,407 Building $392,439
2022	$8,906.00

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.

Nearby Properties on Obsidian Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures