18783 Highland Valley Rd, Ramona, CA 92065 Property Records

San Diego County property record for 18783 Highland Valley Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,008 sqft · built 2019
Lot Size	2.33 acres (101,495 sqft)
Owner	Company Name on Record
Last Sale	$260,000 (Aug 2017)
Tax Bill	$9,154 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`283-011-40-00`

Property Details

APN / Parcel Number

Primary APN	`283-011-40-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,008 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	101,495 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	18783 HIGHLAND VALLEY RD
City	RAMONA
State	CA
Zip	92065-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 2 TR PM20641
Legal Subdivision	PARCEL MAP NO 20641
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, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Aug 21, 2018	Trustee's Deed, Construction Loan · Construction Mortgage HOMESTREET BK
Aug 23, 2017	Grant Deed, Transfer · Conventional Mortgage WEBB FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Document Number	2017383546
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105

Mortgage

Document Number	0000212272
Date	Apr 27, 2020
Instrument	2020-0212272

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000290988
Date	Jul 18, 2019
Instrument	2019-0290988

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2059

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105

Mortgage

Document Number	0000002022
Date	Jan 4, 2021
Instrument	2021-0002022

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2018
Property Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Instrument Date	Aug 16, 2018
Instrument	343849
Transaction Type	Construction Loan
Record Updated	Aug 27, 2018
Title Company	CHICAGO TITLE COMPANY-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1200 INDUSTRIAL RD #136 BOULDER CITY NV 890051712, 136, BOULDER CITY, NV 89005-1712

Mortgage

Document Number	0000343849
Date	Aug 21, 2018
Instrument	343849

Lender

Name	HOMESTREET BK
Type	Bank
Address	SEATTLE, WA 98101-2326

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 23, 2017
Property Address	18783 HIGHLAND VALLEY RD, RAMONA, CA 92065-7105
Document Number	0000383546
Instrument Date	Jul 26, 2017
Instrument	383546
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1532 KAY CT BOULDER CITY NV 890053427, BOULDER CITY, NV 89005-3427

Mortgage

Document Number	383547
Date	Aug 23, 2017
Instrument	383547

Lender

Name	WEBB FAMILY TRUST (PT)
Address	945 WASHINGTON ST, RAMONA, CA 92065-7635

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$858,766 (+2%) Land $301,749 Building $557,017
2025	$9,154.00 (+6.49%)	$841,929 (+4.04%) Land $295,833 Building $546,096
2023	$8,596.00 (-0.7%)	$809,239 Land $284,347 Building $524,892
2022	$8,657.00

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	Extreme above 95% of the US · above 82% 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 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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