16985 Handlebar Rd, Ramona, CA 92065 Property Records

San Diego County property record for 16985 Handlebar Rd, Ramona, CA 92065 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,236 sqft · built 2000
Lot Size	4.03 acres (175,547 sqft)
Owner	2 Company Names on File
Last Sale	$1,270,000 (Jun 2023)
Tax Bill	$14,583 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-361-24-00`

Property Details

APN / Parcel Number

Primary APN	`278-361-24-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Building Area	3,236 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	175,547 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	16985 HANDLEBAR RD
City	RAMONA
State	CA
Zip	92065-7008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR 3 TR PM08232
Legal Tract	8232
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 · APN 278-361-24-00

Assessment roll updated July 28, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	17023 HANDLEBAR RD, RAMONA, CA 92065-7048
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Intrafamily Transfer, Transfer
Jun 30, 2023	Intrafamily Transfer, Transfer · Line of Credit BMO HARRIS BANK NA
Jun 30, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST
Nov 04, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Dec 19, 2002 · Amount on Record
Deed Document Number	2023172450
Last Transfer Date	Dec 13, 2023
Transfer Doc	0000350081
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2023
Property Address	16985 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000350081
Map Reference	FILE 1978-560820
Instrument Date	Dec 13, 2023
Instrument	2023-0350081
Transaction Type	Transfer
Record Updated	Jan 02, 2024

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
Address	17023 HANDLEBAR RD, RAMONA, CA 92065-7048

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 30, 2023
Property Address	16985 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000172449
Map Reference	FILE 1978-560820
Instrument Date	Jun 20, 2023
Instrument	2023-0172449
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	FIDELITY NATL TTL SAN DIEGO

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
Address	20820 PALOMAR MOUNTAIN VIEW RD, RAMONA, CA 92065-5555

Mortgage

Document Number	0000172452
Date	Jun 30, 2023
Instrument	2023-0172452

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 30, 2023
Property Address	16985 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000172450
Map Reference	FILE 1978-560820
Instrument Date	Jun 15, 2023
Instrument	2023-0172450
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	16985 HANDLEBAR RD, RAMONA, CA 92065-7008

Mortgage

Document Number	0000172451
Date	Jun 30, 2023
Instrument	2023-0172451

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 04, 2019
Property Address	16985 HANDLEBAR RD, RAMONA, CA 92065-7008
Document Number	0000503988
Instrument Date	Nov 01, 2019
Instrument	503988
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20820 PALOMAR MOUNTAIN VIEW RD RAMONA CA 920655555, RAMONA, CA 92065-5555

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$1,363,339 (+2%) Land $652,330 Building $711,009
2025	$14,583.00 (+51.17%) Homeowner's exemption	$1,336,608 (+47.73%) Land $639,540 Building $697,068
2023	$9,647.00 (-2.01%)	$904,793 (+2%) Land $278,397 Building $626,396
2022	$9,845.00 Homeowner's exemption	$887,053 Land $272,939 Building $614,114

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	About 1 in 64 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100

May also be available at this address: Cox Communications, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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