19936 Sunset Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 19936 Sunset Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,983 sqft · built 2004
Lot Size	11.5 acres (500,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jul 2023)
Tax Bill	$7,542 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`286-010-64-00`

Property Details

APN / Parcel Number

Primary APN	`286-010-64-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,983 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Traditional
Lot Area	500,940 sqft
View / Lot	Good
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	19936 SUNSET OAKS DR
City	RAMONA
State	CA
Zip	92065-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A72
Legal Description	PAR 4 TR PM12566
Legal Subdivision	RANCHO EL CAJON
Legal Tract	12566
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1008
Census Tract	20807

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	2 Individual Names on Record
Mailing Address	9951 LAS CONICAS, SAN DIEGO, CA 92129-3028
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Jul 18, 2023	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Prior Sale	Aug 19, 2013 · Amount on Record
Deed Document Number	2023188089
Prior Transfer Date	Jul 24, 1995
Prior Transfer Doc	0000334279
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	19936 SUNSET OAKS DR, RAMONA, CA 92065-6114
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1949, RAMONA, CA 92065-0925

Mortgage

Document Number	0000256263
Date	Apr 2, 2021
Instrument	2021-0256263

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2023
Property Address	19936 SUNSET OAKS DR, RAMONA, CA 92065-6114
Document Number	0000188089
Instrument Date	Jun 28, 2023
Instrument	2023-0188089
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19936 SUNSET OAKS DR, RAMONA, CA 92065-6114

Mortgage

Document Number	0000188090
Date	Jul 18, 2023
Instrument	2023-0188090

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	19936 SUNSET OAKS DR, RAMONA, CA 92065-6114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116545
Date	Mar 6, 2020
Instrument	2020-0116545

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

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		$731,112 (+2%) Land $384,565 Building $346,547
2025	$7,542.00 (+21.02%)	$716,777 (+19.68%) Land $377,025 Building $339,752
2023	$6,232.00 (+1.53%) Homeowner's exemption	$598,910 Land $329,907 Building $269,003
2022	$6,138.00

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

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & 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	Extreme above 99.5% of the US · above 97% of California
Wildfire Likelihood	4% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

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