1977 Rowley Ave, Ramona, CA 92065 Property Records

San Diego County property record for 1977 Rowley Ave, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,999 sqft · built 1974
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Trust Names on File
Last Sale	$777,000 (Jul 2023)
Tax Bill	$8,528 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Transfer + 7 more
Flood Zone	Zone X (minimal risk)
APN	`282-234-79-00`

Property Details

APN / Parcel Number

Primary APN	`282-234-79-00`
Alternative APN	`2822343900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,999 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	27,878 sqft (0.64 acres)

Location & Zoning

Old Parcel Number	2822343900
Street Address	1977 ROWLEY AVE
City	RAMONA
State	CA
Zip	92065-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 95 DOCS75-245255&92-223237 IN TR 002031
Legal Subdivision	HUNTER-LETTON
Legal Tract	002031
Legal Block	1
Legal Lot Number	95
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1002
Census Tract	20805

Owner

1977 Rowley Ave is owner-occupied and held in a trust since September 2023.

Source: San Diego County records, as of August 24, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Sep 8, 2023	Intrafamily Transfer, Transfer
Jul 3, 2023	Grant Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
May 11, 2023	Intrafamily Transfer, Transfer
May 11, 2023	Intrafamily Transfer, Transfer
Jan 15, 2019	Quit Claim Deed, Transfer Quitclaim
Jul 10, 2017	Affidavit of Death, Transfer STEWART TITLE
Jul 24, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 10, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Deed Document Number	2023173531
Last Transfer Date	Sep 3, 2023
Transfer Doc	0000244758
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230

Mortgage

Document Number	0000290032
Date	Oct 16, 2025
Instrument	2025-0290032

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2023
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000244758
Map Reference	MAP 2031
Instrument Date	Sep 3, 2023
Instrument	2023-0244758
Transaction Type	Transfer
Record Updated	Sep 18, 2023

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
Relationship	Family Trust
Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 3, 2023
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000173531
Map Reference	MAP 2031
Instrument Date	Jun 13, 2023
Instrument	2023-0173531
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	WFG NATIONAL TITLE COMPANY

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	1977 ROWLEY AVE, RAMONA, CA 92065-3230

Mortgage

Document Number	0000173532
Date	Jul 3, 2023
Instrument	2023-0173532

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

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

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2023
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000124259
Map Reference	MAP 2031
Instrument Date	May 3, 2023
Instrument	2023-0124259
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	4125 SPURGIN RD, MISSOULA, MT 59804-4523

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2023
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000124258
Map Reference	MAP 2031
Instrument Date	May 3, 2023
Instrument	2023-0124258
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4125 SPURGIN RD, MISSOULA, MT 59804-4523

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 15, 2019
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000015589
Instrument Date	Dec 18, 2018
Instrument	15589
Transaction Type	Transfer
Record Updated	Jan 24, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	16815 SNAPPER DR HUNTINGTON BEACH CA 926493507, HUNTINGTON BEACH, CA 92649-3507

July 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 10, 2017
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000310843
Instrument Date	Jun 30, 2017
Instrument	310843
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1977 ROWLEY AVE RAMONA CA 920653230, RAMONA, CA 92065-3230

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 24, 2017
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000332159
Instrument Date	Jun 16, 2017
Instrument	332159
Transaction Type	Transfer
Record Updated	Jul 28, 2017

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1977 ROWLEY AVE RAMONA CA 920653230, RAMONA, CA 92065-3230

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 10, 2017
Property Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230
Document Number	0000310844
Map Reference	MAP2031
Instrument Date	Jun 16, 2017
Instrument	2017-0310844
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1977 ROWLEY AVE, RAMONA, CA 92065-3230

Mortgage

Document Number	0000310846
Date	Jul 10, 2017
Instrument	2017-0310846

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1977 Rowley Ave was $8,528 with a homeowner's exemption.

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		$808,390 (+2%) Land $603,432 Building $204,958
2025	$8,528.00 Homeowner's exemption	$792,540 Land $591,600 Building $200,940
2023	$1,179.00 (-7.53%)	$108,717 (+2%) Land $23,882 Building $84,835
2022	$1,275.00 Homeowner's exemption	$106,586 Land $23,414 Building $83,172

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1977 Rowley Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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

Wildfire risk around 1977 Rowley Ave is moderate, ranking above 62% of the US, with a 0.2% annual chance of 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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