1913 Montecito Rd, Ramona, CA 92065 Property Records

San Diego County property record for 1913 Montecito Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 1990
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Dec 1998)
Tax Bill	$3,220 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`281-083-31-00`

Property Details

APN / Parcel Number

Primary APN	`281-083-31-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,682 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	52,272 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1913 MONTECITO RD
City	RAMONA
State	CA
Zip	92065-1731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 9 ELY 82.50 FT OF WLY 247.50 FT OF TR 001652
Legal Subdivision	DAVIS
Legal Tract	001652
Legal Block	2
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2004
Census Tract	20805

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	1913 MONTECITO RD, RAMONA, CA 92065-1731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU
Apr 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 4, 1998 · Amount on Record
Deed Sale	Dec 4, 1998 · Amount on Record
Prior Sale	Nov 9, 1989 · Amount on Record
Deed Document Number	1998788491
Prior Transfer Date	Nov 20, 1998
Prior Transfer Doc	0000788491
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1913 MONTECITO RD, RAMONA, CA 92065-1731
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1913 MONTECITO RD, RAMONA, CA 92065-1731

Mortgage

Document Number	0000235470
Date	Aug 30, 2023
Instrument	2023-0235470

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1913 MONTECITO RD, RAMONA, CA 92065-1731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000175650
Date	Apr 19, 2017
Instrument	2017-0175650

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1913 MONTECITO RD, RAMONA, CA 92065-1731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000433932
Date	Aug 5, 2020
Instrument	2020-0433932

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

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

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		$295,796 (+2%) Land $119,682 Building $176,114
2025	$3,220.00 (+10.96%) Homeowner's exemption	$289,997 (+4.04%) Land $117,336 Building $172,661
2023	$2,902.00 (-4.73%) Homeowner's exemption	$278,738 Land $112,781 Building $165,957
2022	$3,046.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 78% of the US · above 55% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation at the parcel

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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile USA, Verizon.

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