17048 Whirlwind Ln, Ramona, CA 92065 Property Records

San Diego County property record for 17048 Whirlwind Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,583 sqft · built 1977
Lot Size	2.56 acres (111,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jan 2009)
Tax Bill	$7,671 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`278-361-05-00`

Property Details

APN / Parcel Number

Primary APN	`278-361-05-00`
Alternative APN	`2781120500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,583 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	111,949 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	2781120500
Street Address	17048 WHIRLWIND LN
City	RAMONA
State	CA
Zip	92065-7015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 4 TR PM02798
Legal Subdivision	PARCEL MAP NO 27978
Legal Tract	2798
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2019
Census Tract	20801

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	17048 WHIRLWIND LN, RAMONA, CA 92065-7015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 25, 2018	Deed of Trust, Mortgage · Line of Credit SAFE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2009 · Amount on Record
Deed Sale	Jan 30, 2009 · Amount on Record
Prior Sale	Nov 21, 1984 · Amount on Record
Deed Document Number	200946315
Prior Transfer Date	Feb 13, 1999
Prior Transfer Doc	0000218260
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	17048 WHIRLWIND LN, RAMONA, CA 92065-7015
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17048 WHIRLWIND LN, RAMONA, CA 92065-7015

Mortgage

Document Number	0000618193
Date	Aug 31, 2021
Instrument	2021-0618193

Lender

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

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	17048 WHIRLWIND LN, RAMONA, CA 92065-7015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030584
Date	Jan 25, 2018
Instrument	2018-0030584

Lender

Name	SAFE CU
Type	Credit Union
Address	96630

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 5, 2048

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		$722,409 (+2%) Land $288,962 Building $433,447
2025	$7,671.00 (+6.99%) Homeowner's exemption	$708,246 (+4.04%) Land $283,297 Building $424,949
2023	$7,170.00 (-1.12%) Homeowner's exemption	$680,747 Land $272,298 Building $408,449
2022	$7,251.00

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	Very High above 93% of the US · above 78% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100

May also be available: AT&T, Cox Communications, Verizon.

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