16967 Obsidian Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16967 Obsidian Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,181 sqft · built 1996
Lot Size	0.343 acres (14,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,000 (Nov 1999)
Tax Bill	$5,912 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`278-491-35-00`

Property Details

APN / Parcel Number

Primary APN	`278-491-35-00`

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 1996
Effective Year Built	Effective 1996
Lot Area	14,923 sqft (0.343 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16967 OBSIDIAN DR
City	RAMONA
State	CA
Zip	92065-6840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 181 TR 012754
Legal Subdivision	RAMONA 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	181
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	16967 OBSIDIAN DR, RAMONA, CA 92065-6840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Mar 8, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 1999 · Amount on Record
Deed Sale	Nov 3, 1999 · Amount on Record
Prior Sale	Mar 14, 1995 · Amount on Record
Deed Document Number	1999735290
Last Transfer Date	Dec 18, 2000
Transfer Doc	0000027472
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16967 OBSIDIAN DR, RAMONA, CA 92065-6840
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16967 OBSIDIAN DR, RAMONA, CA 92065-6840

Mortgage

Document Number	0000344766
Date	May 4, 2021
Instrument	2021-0344766

Lender

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

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16967 OBSIDIAN DR, RAMONA, CA 92065-6840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000106458
Date	Mar 8, 2017
Instrument	2017-0106458

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$476,561 (+2%) Land $148,361 Building $328,200
2025	$5,912.00 (+7.16%) Homeowner's exemption	$467,217 (+4.04%) Land $145,452 Building $321,765
2023	$5,517.00 (-2.08%) Homeowner's exemption	$449,075 Land $139,804 Building $309,271
2022	$5,634.00

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	Very High above 92% of the US · above 77% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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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