San Diego County property record for 2045 Vermont St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,269 sqft · built 1949 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Oct 2014) |
| Tax Bill | $4,342 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 282-141-19-00 |
| Primary APN | 282-141-19-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Conventional |
| Exterior Material | Block |
| Construction Type | Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Old Parcel Number | 2821404200 |
|---|---|
| Street Address | 2045 VERMONT ST |
| City | RAMONA |
| State | CA |
| Zip | 92065-2568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMV3 |
| Legal Description | SEC 21-13-1E PAR 80 OF MISC MAP 372 TR 000863 |
| Legal Range | 01E |
| Legal Township | 13 |
| Legal Section | 21 |
| Legal Subdivision | RANCHO SANTA FE |
| Legal Tract | 000863 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 20805 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Nov 10, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2014 · Amount on Record |
| Deed Sale | Oct 9, 2014 · Amount on Record |
| Prior Sale | Mar 3, 2003 |
| Deed Document Number | 2014439986 |
| Prior Transfer Date | Dec 23, 1992 |
| Prior Transfer Doc | 0000630779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Document Number | 0000056198 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 2026-0056198 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | TIMIOS TITLE INC, TIMIOS TITLE |
| Name | Verified Name |
|---|---|
| Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Document Number | 0000125332 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 2022-0125332 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2045 VERMONT ST, RAMONA, CA 92065-2568 |
| Document Number | 0000485833 |
| Instrument Date | Nov 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 11983 MARGINATA CT SAN DIEGO CA 921313812, SAN DIEGO, CA 92131-3812 |
| Document Number | 0000485833 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 485833 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Unified School District | Ramona City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $404,530 (+2%) Land $195,905 Building $208,625 | |
| 2025 | $4,342.00 (+9.15%) Homeowner's exemption | $396,599 (+4.04%) Land $192,064 Building $204,535 |
| 2023 | $3,978.00 (-3.12%) Homeowner's exemption | $381,201 Land $184,607 Building $196,594 |
| 2022 | $4,106.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 19 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 15 (1980–2023) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 64% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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