2040 Pamo Rd, Ramona, CA 92065 Property Records

San Diego County property record for 2040 Pamo Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,407 sqft · built 2001
Lot Size	4.03 acres (175,547 sqft)
Owner	Individual Name on Record
Last Sale	$727,000 (Oct 2019)
Tax Bill	$9,043 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`279-102-38-00`

Property Details

APN / Parcel Number

Primary APN	`279-102-38-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,407 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	175,547 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2040 PAMO RD
City	RAMONA
State	CA
Zip	92065-7614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 3 TR PM09725
Legal Subdivision	PARCEL MAP NO 9725
Legal Tract	9725
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1033
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	Individual Name on Record
Mailing Address	2040 PAMO RD, RAMONA, CA 92065-7614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Nov 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMNET ESOP CORPORATION
Oct 15, 2019	Grant Deed, Transfer · Conventional Mortgage SAM CALVANO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on Record
Deed Sale	Oct 15, 2019 · Amount on Record
Prior Sale	Mar 3, 2004 · Amount on Record
Deed Document Number	2019462653
Last Transfer Date	Oct 23, 2020
Transfer Doc	0000730305
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2040 PAMO RD, RAMONA, CA 92065-7614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393034
Date	Aug 28, 2017
Instrument	2017-0393034

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 18, 2020
Property Address	2040 PAMO RD, RAMONA, CA 92065-7614
Document Number	0000730305
Map Reference	FILE 1980-60092
Instrument Date	Oct 23, 2020
Instrument	2020-0730305
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL AGENCY SLN

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	2040 PAMO RD, RAMONA, CA 92065-7614

Mortgage

Document Number	0000730306
Date	Nov 18, 2020
Instrument	2020-0730306

Lender

Name	AMNET ESOP CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2019
Property Address	2040 PAMO RD, RAMONA, CA 92065-7614
Document Number	0000462653
Instrument Date	Sep 11, 2019
Instrument	462653
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 PAMO RD RAMONA CA 920657614, RAMONA, CA 92065-7614

Mortgage

Document Number	462654
Date	Oct 15, 2019
Instrument	462654

Lender

Name	SAM CALVANO
Address	4386 BONITA RD, BONITA, CA 91902-1422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 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		$844,634 (+2%) Land $335,618 Building $509,016
2025	$9,043.00 (+10.88%)	$828,074 (+8.36%) Land $329,038 Building $499,036
2023	$8,156.00 (-0.83%)	$764,203 Land $316,262 Building $447,941
2022	$8,224.00

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	Very High above 94% of the US · above 79% of California
Wildfire Likelihood	2% 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	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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
San Diego Broadband Fixed Wireless	500 / 100

May also be available: Verizon.

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