2121 Montecito Rd, #23, Ramona, CA 92065 Property Records

San Diego County property record for 2121 Montecito Rd, #23, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,521 sqft · built 2000
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on File
Last Sale	$82,000 (Jun 1999)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`281-083-21-00`

Property Details

APN / Parcel Number

Primary APN	`281-083-21-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,521 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	104,544 sqft

Location & Zoning

Street Address	2121 MONTECITO RD, 23
City	RAMONA
State	CA
Zip	92065-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	LOT 13 W 1/2 TR 001652
Legal Subdivision	DAVIS
Legal Tract	001652
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2004
Census Tract	20805

Owner

Source: San Diego County records · APN 281-083-21-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	2121 MONTECITO RD, RAMONA, CA 92065-1735
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 14, 1999 · Amount on Record
Deed Sale	Jun 14, 1999 · Amount on Record
Deed Document Number	1999412561
Last Transfer Date	Mar 06, 2014
Transfer Doc	0000123354
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2121 MONTECITO RD # 23, 23, RAMONA, CA 92065-1735
Document Number	0000117701
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2121 MONTECITO RD RAMONA CA 920651735, RAMONA, CA 92065-1735

Mortgage

Document Number	0000117701
Date	Mar 06, 2020
Instrument	117701

Lender

Name	OWN MTG INC
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 05, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$630,617 (+2%) Land $157,401 Building $473,216
2025	$6,979.00 (+24.38%)	$618,253 (+17.48%) Land $154,315 Building $463,938
2023	$5,611.00 (+30.95%)	$526,248 Land $138,324 Building $387,924
2022	$4,285.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Wildfire

Wildfire Risk	High above 81% of the US · above 59% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 93 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RAMONA MUNICIPAL WD serves 36,455 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.