19989 Sunset Oaks Dr, Ramona, CA 92065 Property Records

San Diego County property record for 19989 Sunset Oaks Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,818 sqft · built 1986
Lot Size	9.08 acres (395,525 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Apr 2018)
Tax Bill	$7,363 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`286-010-57-00`

Property Details

APN / Parcel Number

Primary APN	`286-010-57-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,818 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Lot Area	395,525 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	19989 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 2 TR PM12447
Legal Subdivision	PARCEL MAP NO 12447
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 21, 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	19989 SUNSET OAKS DR, RAMONA, CA 92065-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 3, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2018	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	Dec 27, 2016
Deed Document Number	2018150333
Prior Transfer Date	Dec 19, 2016
Prior Transfer Doc	0000707194
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	19989 SUNSET OAKS DR, RAMONA, CA 92065-6102
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19989 SUNSET OAKS DR, RAMONA, CA 92065-6102

Mortgage

Document Number	0000291572
Date	Apr 15, 2021
Instrument	2021-0291572

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	19989 SUNSET OAKS DR, RAMONA, CA 92065-6102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000109781
Date	Mar 3, 2020
Instrument	2020-0109781

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 16, 2018
Property Address	19989 SUNSET OAKS DR, RAMONA, CA 92065-6102
Document Number	0000150333
Instrument Date	Mar 14, 2018
Instrument	150333
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19989 SUNSET OAKS DR RAMONA CA 920656102, RAMONA, CA 92065-6102

Mortgage

Document Number	150334
Date	Apr 16, 2018
Instrument	150334

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$713,753 (+2%) Land $293,321 Building $420,432
2025	$7,363.00 (+4%)	$699,759 (+4.04%) Land $287,570 Building $412,189
2023	$7,080.00 (+1.52%)	$672,588 Land $276,404 Building $396,184
2022	$6,974.00

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 99.3% of the US · above 95% 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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