182 Sawday Rd, Ramona, CA 92065 Property Records

San Diego County property record for 182 Sawday Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1974
Lot Size	1.18 acres (51,836 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Mar 2026)
Tax Bill	$5,976 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`282-160-43-00`

Property Details

APN / Parcel Number

Primary APN	`282-160-43-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,536 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	51,836 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	182 SAWDAY RD
City	RAMONA
State	CA
Zip	92065-3858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E POR TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2038
Census Tract	20805

Owner

Source: San Diego County records, as of September 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Mar 3, 2026	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO
Mar 3, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED LENDING TEAM LLC
Apr 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FISHER FINANCIAL GROUP INC
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Jan 23, 2019	Grant Deed, Transfer · Conventional Mortgage HOME LNS TODAY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Jan 23, 2019 · Amount on Record
Deed Document Number	202658476
Prior Transfer Date	Feb 13, 2026
Prior Transfer Doc	0000058475
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAWDAY RD, RAMONA, CA 92065-3858

Mortgage

Document Number	0000655550
Date	Sep 16, 2021
Instrument	2021-0655550

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

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

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2026
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Document Number	0000058475
Map Reference	MAP 863
Instrument Date	Feb 13, 2026
Instrument	2026-0058475
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

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	182 SAWDAY RD, RAMONA, CA 92065-3858

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2026
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Document Number	0000058476
Map Reference	MAP 863
Instrument Date	Feb 10, 2026
Instrument	2026-0058476
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

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	182 SAWDAY RD, RAMONA, CA 92065-3858

Mortgage

Document Number	0000058477
Date	Mar 3, 2026
Instrument	2026-0058477

Lender

Name	UNITED LENDING TEAM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150081
Date	Apr 24, 2019
Instrument	2019-0150081

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	GILBERT, AZ 85234

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAWDAY RD, RAMONA, CA 92065-3858

Mortgage

Document Number	0000600095
Date	Oct 6, 2020
Instrument	2020-0600095

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 23, 2019
Property Address	182 SAWDAY RD, RAMONA, CA 92065-3858
Document Number	0000024099
Instrument Date	Dec 26, 2018
Instrument	24099
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAWDAY RD RAMONA CA 920653858, RAMONA, CA 92065-3858

Mortgage

Document Number	24100
Date	Jan 23, 2019
Instrument	24100

Lender

Name	HOME LNS TODAY
Type	Funding / Finance Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2049

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		$554,686 (+2%) Land $359,756 Building $194,930
2025	$5,976.00 (+2%)	$543,810 (+4.04%) Land $352,702 Building $191,108
2024	$5,859.00 (+5.61%)
2023	$5,548.00 (-1.87%)	$522,695 Land $339,007 Building $183,688
2022	$5,654.00

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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	High above 87% of the US · above 67% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 8 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: T-Mobile.

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