16965 Handlebar Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16965 Handlebar Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1980
Lot Size	3.51 acres (152,896 sqft)
Owner	Company Name on Record
Tax Bill	$8,964 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-362-09-00`

Property Details

APN / Parcel Number

Primary APN	`278-362-09-00`
Alternative APN	`2781122900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,081 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	152,896 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2781122900
Street Address	16965 HANDLEBAR RD
City	RAMONA
State	CA
Zip	92065-7008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM04429
Legal Subdivision	THE RANCHO SANTA MARIA
Legal Tract	4429
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2034
Census Tract	20801

Owner

Source: San Diego County records, as of July 21, 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	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 2, 2019	Quit Claim Deed, Transfer RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC
Dec 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ALLY BANK
May 1, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2019
Transfer Doc	0000557278
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008

Mortgage

Document Number	0000467704
Date	Jun 28, 2021
Instrument	2021-0467704

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000067691
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16965 HANDLEBAR RD RAMONA CA 920657008, RAMONA, CA 92065-7008

Mortgage

Document Number	0000067691
Date	Feb 10, 2020
Instrument	67691

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2019
Property Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000557278
Instrument Date	Nov 19, 2019
Instrument	557278
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16965 HANDLEBAR RD RAMONA CA 920657008, RAMONA, CA 92065-7008

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2019
Property Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000557276
Instrument Date	Nov 19, 2019
Instrument	2019-0557276
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008

Mortgage

Document Number	0000557277
Date	Dec 2, 2019
Instrument	2019-0557277

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2018
Property Address	16965 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000173171
Instrument Date	Apr 19, 2018
Instrument	173171
Transaction Type	Transfer
Record Updated	May 7, 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	16965 HANDLEBAR RD RAMONA CA 920657008, RAMONA, CA 92065-7008

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$845,221 (+2%) Land $250,107 Building $595,114
2025	$8,964.00 (+6.57%) Homeowner's exemption	$828,649 (+4.04%) Land $245,203 Building $583,446
2023	$8,411.00 (-0.74%) Homeowner's exemption	$796,474 Land $235,683 Building $560,791
2022	$8,474.00

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	Extreme above 95% of the US · above 82% of California
Wildfire Likelihood	2% 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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