16965 Boulder Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16965 Boulder Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1997
Lot Size	0.25 acres (10,893 sqft)
Owner	Company Name on File
Last Sale	$719,000 (May 2017)
Tax Bill	$5,778 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-37-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-37-00`

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	10,893 sqft (0.25 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16965 BOULDER OAKS DR
City	RAMONA
State	CA
Zip	92065-6846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 205 TR 012754
Legal Subdivision	COUNTY OF SAN DIEGO TRACT 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	205
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16965 Boulder Oaks Dr is owned by a company that bought it in May 2017 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	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Feb 28, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU
May 12, 2017	Grant Deed, Transfer · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2017 · Amount on File
Deed Sale	May 12, 2017 · Amount on File
Prior Sale	Apr 6, 2012 · Amount on File
Deed Document Number	2017215148
Prior Transfer Date	Apr 2, 2012
Prior Transfer Doc	0000203821
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846

Mortgage

Document Number	0000807019
Date	Dec 16, 2020
Instrument	2020-0807019

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077157
Date	Feb 28, 2018
Instrument	2018-0077157

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 28, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2017
Property Address	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846
Document Number	0000215148
Map Reference	MAP12754
Instrument Date	Apr 13, 2017
Instrument	2017-0215148
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE COMPANY OF CA

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	Family Trust
Address	16965 BOULDER OAKS DR, RAMONA, CA 92065-6846

Mortgage

Document Number	0000215149
Date	May 12, 2017
Instrument	2017-0215149

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 16965 Boulder Oaks Dr was $5,778 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		$463,635 (+2%) Land $147,162 Building $316,473
2025	$5,778.00 Homeowner's exemption	$454,545 Land $144,277 Building $310,268
2023	$5,389.00 (+1.55%) Homeowner's exemption	$436,897 Land $138,676 Building $298,221
2022	$5,307.00

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

Flood

FEMA maps place 16965 Boulder Oaks Dr 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 16965 Boulder Oaks Dr 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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