2131 Pamo Rd, Ramona, CA 92065 Property Records

San Diego County property record for 2131 Pamo Rd, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,955 sqft · built 1974
Lot Size	2.63 acres (114,563 sqft)
Owner	Company Name on Record
Last Sale	$412,000 (Dec 2008)
Tax Bill	$6,305 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`279-120-40-00`

Property Details

APN / Parcel Number

Primary APN	`279-120-40-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,955 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	114,563 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	2131 PAMO RD
City	RAMONA
State	CA
Zip	92065-7617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	BLK 327 DOC73-91526 IN NLY 420 FT M/A WLY LI OF TR 000644
Legal Subdivision	RAMONA
Legal Tract	000644
Legal Block	327
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	1
Census Block	1013
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	Company Name on Record
Mailing Address	2131 PAMO RD, RAMONA, CA 92065-7617
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST TECHNOLOGY FEDERAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2008 · Amount on Record
Deed Sale	Dec 22, 2008 · Amount on Record
Prior Sale	Jun 4, 1999 · Amount on Record
Deed Document Number	2008647633
Last Transfer Date	Jul 9, 2015
Transfer Doc	0000362505
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2131 PAMO RD, RAMONA, CA 92065-7617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013049
Date	Jan 14, 2019
Instrument	2019-0013049

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2131 PAMO RD, RAMONA, CA 92065-7617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000449006
Date	Aug 12, 2020
Instrument	2020-0449006

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

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

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		$586,878 (+2%) Land $197,019 Building $389,859
2025	$6,305.00 (+8.24%) Homeowner's exemption	$575,371 (+4.04%) Land $193,156 Building $382,215
2023	$5,825.00 (-2.33%) Homeowner's exemption	$553,030 Land $185,656 Building $367,374
2022	$5,964.00

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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