20127 Deerben Rd, Ramona, CA 92065 Property Records

San Diego County property record for 20127 Deerben Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,083 sqft · built 1989
Lot Size	8.36 acres (364,162 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (May 2018)
Tax Bill	$9,043 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`286-140-03-00`

Property Details

APN / Parcel Number

Primary APN	`286-140-03-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,083 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	364,162 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	20127 DEERBEN RD
City	RAMONA
State	CA
Zip	92065-6325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A72
Legal Description	LOT 34 TR 007620
Legal Subdivision	SANTA TERESA ESTATES
Legal Tract	007620
Legal Block	2
Legal Lot Number	34
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2014
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	20127 DEERBEN RD, RAMONA, CA 92065-6325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 7, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Apr 11, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 18, 2020	Deed of Trust, Mortgage · VA Mortgage DG FUNDING
Dec 1, 2020	Deed of Trust, Mortgage · VA Mortgage DOLAN GADDI LENDING INC
May 8, 2018	Grant Deed, Transfer · VA Mortgage DOLAN GADDI LNDG
Aug 7, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2018 · Amount on Record
Deed Sale	May 8, 2018 · Amount on Record
Prior Sale	Sep 15, 1987 · Amount on Record
Deed Document Number	2018185493
Prior Transfer Date	Sep 9, 2010
Prior Transfer Doc	0000485321
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20127 DEERBEN RD, RAMONA, CA 92065-6325

Mortgage

Document Number	0000210436
Date	Aug 3, 2023
Instrument	2023-0210436

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2043

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20127 DEERBEN RD, RAMONA, CA 92065-6325

Mortgage

Document Number	0000008973
Date	Jan 7, 2022
Instrument	2022-0008973

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129986
Date	Apr 11, 2019
Instrument	2019-0129986

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080902
Date	Feb 18, 2020
Instrument	2020-0080902

Lender

Name	DG FUNDING
Type	Non-Lending Institution
Address	CARLSBAD, CA 92011

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20127 DEERBEN RD, RAMONA, CA 92065-6325

Mortgage

Document Number	0000767667
Date	Dec 1, 2020
Instrument	2020-0767667

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company
Address	CARLSBAD, CA 92011

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2018
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Document Number	0000185493
Instrument Date	Apr 13, 2018
Instrument	185493
Transaction Type	Transfer
Record Updated	Jun 11, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$786.50
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	20127 DEERBEN RD RAMONA CA 920656325, RAMONA, CA 92065-6325

Mortgage

Document Number	185494
Date	May 8, 2018
Instrument	185494

Lender

Name	DOLAN GADDI LNDG
Address	CARLSBAD, CA 92011

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 7, 2017
Property Address	20127 DEERBEN RD, RAMONA, CA 92065-6325
Document Number	0000356613
Instrument Date	Aug 1, 2017
Instrument	356613
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 TRUMAN ST BRIDGEPORT CT 066064971, BRIDGEPORT, CT 06606-4971

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		$883,933 (+2%) Land $387,246 Building $496,687
2025	$9,043.00 (+4.03%) Homeowner's exemption	$866,602 (+4.04%) Land $379,653 Building $486,949
2023	$8,693.00 (+8.19%) Homeowner's exemption	$832,952 Land $364,911 Building $468,041
2022	$8,035.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 98% of the US · above 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RANCHO SANTA TERESA MW CO. private · serves 102 people · EPA ID CA3700918
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate not recorded as resolved · Oct 2024 Uranium resolved · Apr 2019
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 20 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

May also be available: AT&T.

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