193 Cowboy Ct, Ramona, CA 92065 Property Records

San Diego County property record for 193 Cowboy Ct, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,512 sqft · built 1976
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Apr 2023)
Tax Bill	$9,078 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`281-472-13-00`

Property Details

APN / Parcel Number

Primary APN	`281-472-13-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	44,867 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	193 COWBOY CT
City	RAMONA
State	CA
Zip	92065-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 130 PAR 1 PER DOC70-27639 IN TR 000656
Legal Subdivision	VALLE DE LOS AMIGOS
Legal Tract	000656
Legal Block	3
Legal Lot Number	130
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	3
Census Block	3003
Census Tract	20813

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	2 Individual Names on File
Mailing Address	612 WINSTON LN, A, BELGRADE, MT 59714-4263
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Grant Deed, Transfer · Conventional Mortgage HOME RESOURCE CENTER
Nov 23, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 20, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 17, 2017	Grant Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on File
Deed Sale	Apr 6, 2023 · Amount on File
Prior Sale	Oct 17, 2017 · Amount on File
Deed Document Number	202388404
Prior Transfer Date	Jun 8, 2005
Prior Transfer Doc	0000503879
Record Updated	Oct 29, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 6, 2023
Property Address	193 COWBOY CT, RAMONA, CA 92065-5003
Document Number	0000088404
Map Reference	MAP 656
Instrument Date	Mar 8, 2023
Instrument	2023-0088404
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	193 COWBOY CT, RAMONA, CA 92065-5003

Mortgage

Document Number	0000088405
Date	Apr 6, 2023
Instrument	2023-0088405

Lender

Name	HOME RESOURCE CENTER
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	193 COWBOY CT, RAMONA, CA 92065-5003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 COWBOY CT, RAMONA, CA 92065-5003

Mortgage

Document Number	0000740961
Date	Nov 23, 2020
Instrument	2020-0740961

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	193 COWBOY CT, RAMONA, CA 92065-5003
Document Number	0000430532
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	193 COWBOY CT RAMONA CA 920655003, RAMONA, CA 92065-5003

Mortgage

Document Number	0000430532
Date	Sep 30, 2019
Instrument	430532

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 17, 2017
Property Address	193 COWBOY CT, RAMONA, CA 92065-5003
Document Number	0000480975
Map Reference	MAP656
Instrument Date	Oct 11, 2017
Instrument	2017-0480975
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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	10930 EVENING CREEK DR E, SAN DIEGO, CA 92128-6035

Mortgage

Document Number	0000480976
Date	Oct 17, 2017
Instrument	2017-0480976

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

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		$854,270 (+2%) Land $244,055 Building $610,215
2025	$9,078.00 (+44.07%)	$837,520 (+39.24%) Land $239,270 Building $598,250
2023	$6,301.00 (-1.47%) Homeowner's exemption	$601,500 Land $171,842 Building $429,658
2022	$6,395.00

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	1 in force

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 84% of the US · above 63% of California
Wildfire Likelihood	0.9% 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 57 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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