19985 Sunset Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 19985 Sunset Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,218 sqft · built 1989
Lot Size	10.2 acres (447,797 sqft)
Owner	2 Individual Names on Record
Last Sale	$905,000 (Sep 2024)
Tax Bill	$9,518 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`286-010-59-00`

Property Details

APN / Parcel Number

Primary APN	`286-010-59-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,218 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	447,797 sqft
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	19985 SUNSET OAKS DR
City	RAMONA
State	CA
Zip	92065-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A72
Legal Description	PAR 4 TR PM12447
Legal Tract	12447
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1012
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	2068 E LINCOLN AVE, ESCONDIDO, CA 92027-1216
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Grant Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jun 16, 2022	Intrafamily Transfer, Transfer CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC
Aug 10, 2020	Grant Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Apr 26, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2024 · Amount on Record
Deed Sale	Sep 20, 2024 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	2024255086
Prior Transfer Date	May 24, 2022
Prior Transfer Doc	0000252538
Record Updated	Sep 20, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2022
Property Address	19985 SUNSET OAKS DR, RAMONA, CA 92065
Document Number	0000252539
Map Reference	FILE 82-363693
Instrument Date	May 25, 2022
Instrument	2022-0252539
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
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	19985 SUNSET OAKS DR, RAMONA, CA 92065

Mortgage

Document Number	0000252540
Date	Jun 16, 2022
Instrument	2022-0252540

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2022
Property Address	19985 SUNSET OAKS DR, RAMONA, CA 92065
Document Number	0000252538
Instrument Date	May 24, 2022
Instrument	2022-0252538
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC

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	PO BOX 92, BOZEMAN, MT 59771-0092

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2020
Property Address	19985 SUNSET OAKS DR, RAMONA, CA 92065
Document Number	0000444623
Map Reference	FILE 82-363693
Instrument Date	May 6, 2020
Instrument	2020-0444623
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	19985 SUNSET OAKS DR, RAMONA, CA 92065

Mortgage

Document Number	0000444624
Date	Aug 10, 2020
Instrument	2020-0444624

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2019
Property Address	19985 SUNSET OAKS DR, RAMONA, CA 92065
Document Number	0000154491
Instrument Date	Sep 28, 2018
Instrument	154491
Transaction Type	Transfer
Record Updated	May 6, 2019
Title Company	EQUITY TITLE-ORANGE COUNTY/INLAN, EQUITY TITLE-ORANGE CNTY/INLAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$680.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1444 MAIN ST #545 RAMONA CA 920658121, 545, RAMONA, CA 92065-8121

Mortgage

Document Number	154492
Date	Apr 26, 2019
Instrument	154492

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 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		$923,100 (+2%) Land $510,000 Building $413,100
2025	$9,518.00 (+31.36%)	$905,000 (+15.29%) Land $500,000 Building $405,000
2024	$7,246.00 (+10.32%)
2023	$6,568.00 (-11.12%)	$785,000 Land $269,000 Building $516,000
2022	$7,390.00

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
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 97.2% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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