San Diego County property record for 16976 Obsidian Dr, Ramona, CA 92065 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,554 sqft · built 1998 |
| Lot Size | 0.271 acres (11,793 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $738,000 (Feb 2018) |
| Tax Bill | $9,850 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 278-491-11-00 |
| Primary APN | 278-491-11-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,554 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 11,793 sqft (0.271 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 16976 OBSIDIAN DR |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-6841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 144 TR 012754 |
| Legal Subdivision | SAN DIEGO #4626-3 |
| Legal Tract | 012754 |
| Legal Block | 2 |
| Legal Lot Number | 144 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 17021 |
Source: San Diego County records · APN 278-491-11-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 16976 OBSIDIAN DR, RAMONA, CA 92065-6841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA COAST CU |
| Feb 28, 2018 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2018 · Amount on Record |
| Deed Sale | Feb 28, 2018 · Amount on Record |
| Prior Sale | Feb 24, 1997 · Amount on Record |
| Deed Document Number | 201878587 |
| Prior Transfer Date | Dec 12, 2000 |
| Prior Transfer Doc | 0000718307 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 16976 OBSIDIAN DR, RAMONA, CA 92065-6841 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Title Company | CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD |
| Name | Verified Name |
|---|---|
| Address | 16976 OBSIDIAN DR, RAMONA, CA 92065-6841 |
| Document Number | 0000866631 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021-0866631 |
| Name | CALIFORNIA COAST CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92150 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2042 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 28, 2018 |
| Property Address | 16976 OBSIDIAN DR, RAMONA, CA 92065-6841 |
| Document Number | 0000078587 |
| Map Reference | MAP 12754 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 2018-0078587 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 16976 OBSIDIAN DR, RAMONA, CA 92065-6841 |
| Investor | Possibly a Property Investor |
| Document Number | 0000078588 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2018-0078588 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $856,504 (+2%) Land $223,313 Building $633,191 | |
| 2025 | $9,850.00 (+6.01%) Homeowner's exemption | $839,711 (+4.04%) Land $218,935 Building $620,776 |
| 2023 | $9,292.00 (-0.66%) Homeowner's exemption | $807,106 Land $210,435 Building $596,671 |
| 2022 | $9,354.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730170212, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Feb 1998, rainfall accumulation, Severe Winter Storms And Flooding |
| Wildfire Risk | Very High above 93% of the US · above 77% of California |
|---|---|
| Wildfire Likelihood | About 1 in 93 per year |
| 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 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.
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