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196 Sawday Rd, Ramona, CA 92065 Property Records

San Diego County property record for 196 Sawday Rd, Ramona, CA 92065

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,510 sqft · built 1969
Lot Size1.13 acres (49,658 sqft)
Owner2 Individual Names on Record
Last Sale$812,000 (May 2025)
Tax Bill$5,283 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN282-160-33-00

Property Details

APN / Parcel Number

Primary APN282-160-33-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,510 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Architectural StyleRanch
Exterior MaterialStucco
Roof MaterialComposition Shingle
Lot Area49,658 sqft
View / LotGood
Garage TypeCarport
CarportCarport
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Heating SystemRadiant
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address196 SAWDAY RD
CityRAMONA
StateCA
Zip92065-3858
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA70
Legal DescriptionSEC 20-13-1E POR TR 000863
Legal Range01E
Legal Township13
Legal Section20
Legal SubdivisionRANCHO SANTA FE
Legal Tract000863
Legal Block2
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group2
Census Block2038
Census Tract20805

Owner

Source: San Diego County records, as of August 18, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address196 SAWDAY RD, RAMONA, CA 92065-3858
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Apr 1, 2026Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 7, 2025 · Amount on Record
Deed SaleMay 7, 2025 · Amount on Record
Prior SaleJul 27, 2015 · Amount on Record
Deed Document Number2025120352
Prior Transfer DateJan 11, 2000
Prior Transfer Doc0000125717
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Recording DateApr 1, 2026
Property Address196 SAWDAY RD, RAMONA, CA 92065-3858
Document Number0000087911
Instrument DateMar 26, 2026
Instrument202687911
Transaction TypeMortgage
Record UpdatedJul 13, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property, 149
Address196 SAWDAY RD, RAMONA, CA 92065-3858

Mortgage

Document Number0000087911,
DateApr 1, 2026
Instrument202687911
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address196 SAWDAY RD, RAMONA, CA 92065-3858
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000377336
DateJul 15, 2020
Instrument2020-0377336
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueAug 1, 2040

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona City Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$828,240 (+70.65%) Land $510,000 Building $318,240
2025$5,283.00 (-1.57%)$485,350 (+4.04%) Land $207,162 Building $278,188
2024$5,367.00 (+9.98%)
2023$4,880.00 (-2.3%) Homeowner's exemption$466,505 Land $199,118 Building $267,387
2022$4,995.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims15 (1980–2023)
Claims Outside the SFHA3 of 15
Most Recent ClaimJan 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 RiskHigh
above 78% of the US · above 55% of California
Wildfire Likelihood0.7% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemRAMONA MUNICIPAL WD
serves 36,455 people · EPA ID CA3710019
Water SourcePurchased surface water from several systems
Last State InspectionOct 2022
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
San Diego Broadband
Fixed Wireless		500 / 100
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Verizon.

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