17032 Handlebar Rd, Ramona, CA 92065 Property Records

San Diego County property record for 17032 Handlebar Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,107 sqft · built 1977
Lot Size	2.76 acres (120,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,025,000 (Sep 2023)
Tax Bill	$11,427 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-361-12-00`

Property Details

APN / Parcel Number

Primary APN	`278-361-12-00`
Alternative APN	`2781124000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,107 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	120,661 sqft

Location & Zoning

Old Parcel Number	2781124000
Street Address	17032 HANDLEBAR RD
City	RAMONA
State	CA
Zip	92065-7009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM04410
Legal Subdivision	THE RANCHO SANTA MARIA
Legal Tract	4410
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2028
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	2 Individual Names on Record
Mailing Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 15, 2023	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 10, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Dec 11, 1997 · Amount on Record
Deed Document Number	2023251814
Prior Transfer Date	Jan 21, 1998
Prior Transfer Doc	0000054961
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009

Mortgage

Document Number	0000303477
Date	Oct 29, 2025
Instrument	2025-0303477

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2023
Property Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009
Document Number	0000251814
Map Reference	MAP 863
Instrument Date	Aug 25, 2023
Instrument	2023-0251814
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009

Mortgage

Document Number	0000251815
Date	Sep 15, 2023
Instrument	2023-0251815

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 10, 2020
Property Address	17032 HANDLEBAR RD, RAMONA, CA 92065-7009
Document Number	0000297195
Instrument Date	Jun 3, 2020
Instrument	297195
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11520 TRIBUNA AVE SAN DIEGO CA 921311910, SAN DIEGO, CA 92131-1910

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		$1,066,410 (+2%) Land $624,240 Building $442,170
2025	$11,427.00 (+189.66%)	$1,045,500 (+184.5%) Land $612,000 Building $433,500
2023	$3,945.00 (-5.82%)	$367,487 Land $129,731 Building $237,756
2022	$4,189.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Very High above 92% of the US · above 76% of California
Wildfire Likelihood	1% 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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