1946 Rowley Ave, Ramona, CA 92065 Property Records

San Diego County property record for 1946 Rowley Ave, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,296 sqft · built 1970
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$419,000 (Apr 2016)
Tax Bill	$5,425 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-233-26-00`

Property Details

APN / Parcel Number

Primary APN	`282-233-26-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,296 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	21,780 sqft (0.5 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1946 ROWLEY AVE
City	RAMONA
State	CA
Zip	92065-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 99 POR TR 002031
Legal Subdivision	HUNTER-LETTON
Legal Tract	002031
Legal Block	1
Legal Lot Number	99
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1009
Census Tract	20805

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	Individual Name on Record
Mailing Address	1946 ROWLEY AVE, RAMONA, CA 92065-3231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jun 14, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2016 · Amount on Record
Deed Sale	Apr 15, 2016 · Amount on Record
Prior Sale	Jul 26, 2013 · Amount on Record
Deed Document Number	2016176016
Last Transfer Date	Jun 10, 2019
Transfer Doc	0000233555
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1946 ROWLEY AVE, RAMONA, CA 92065-3231
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 ROWLEY AVE, RAMONA, CA 92065-3231

Mortgage

Document Number	0000202149
Date	Mar 16, 2021
Instrument	2021-0202149

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 14, 2019
Property Address	1946 ROWLEY AVE, RAMONA, CA 92065-3231
Document Number	0000233555
Map Reference	MAP 2031
Instrument Date	Jun 10, 2019
Instrument	2019-0233555
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SD

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	1946 ROWLEY AVE, RAMONA, CA 92065-3231

Mortgage

Document Number	0000233556
Date	Jun 14, 2019
Instrument	2019-0233556

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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		$508,970 (+2%) Land $250,639 Building $258,331
2025	$5,425.00 (+8.15%) Homeowner's exemption	$498,991 (+4.04%) Land $245,725 Building $253,266
2023	$5,016.00 (-2.18%) Homeowner's exemption	$479,616 Land $236,184 Building $243,432
2022	$5,128.00

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	2 in force
Nearby Flood Claims	2 (2010–2019)
Most Recent Claim	Feb 2019 · Severe Storms And Flooding

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	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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