San Diego County property record for 2186 el Paso St, Ramona, CA 92065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,662 sqft · built 1977 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $785,000 (Jul 2022) |
| Tax Bill | $4,468 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-522-10-00 |
| Primary APN | 281-522-10-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,662 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2186 EL PASO ST |
|---|---|
| City | RAMONA |
| State | CA |
| Zip | 92065-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 2 TR PM02733 |
| Legal Subdivision | RANCHO SANTA MARIA |
| Legal Tract | 2733 |
| Legal Block | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | RAMONA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20805 |
2186 el Paso St is owned and occupied by two individuals who bought it in July 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jul 20, 2022 | Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| May 24, 2017 | Deed of Trust, Mortgage · VA Mortgage DITECH FINANCIAL LLC |
| Mar 23, 2020 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Dec 11, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on File |
| Deed Sale | Jul 20, 2022 · Amount on File |
| Prior Sale | Oct 25, 2016 |
| Deed Document Number | 2022297471 |
| Prior Transfer Date | Jun 20, 1996 |
| Prior Transfer Doc | 0000327891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Document Number | 0000644128 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 2021-0644128 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 20, 2022 |
| Property Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Document Number | 0000297471 |
| Map Reference | DOC 1974-150309 |
| Instrument Date | May 17, 2022 |
| Instrument | 2022-0297471 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Document Number | 0000297472 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 2022-0297472 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY SD |
| Name | Verified Name |
|---|
| Document Number | 0000233708 |
|---|---|
| Date | May 24, 2017 |
| Instrument | 2017-0233708 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000147322 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 2020-0147322 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 2186 EL PASO ST, RAMONA, CA 92065-1607 |
| Document Number | 0000797819 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 2020-0797819 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 2186 el Paso St was $4,468 with a homeowner's exemption.
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 | $410,351 (+2%) Land $144,854 Building $265,497 | |
| 2025 | $4,468.00 Homeowner's exemption | $402,306 Land $142,014 Building $260,292 |
| 2023 | $4,174.00 (-35.41%) | $741,000 Land $261,000 Building $480,000 |
| 2022 | $6,462.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2186 el Paso St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1980.
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 File 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.
Wildfire risk around 2186 el Paso St is high, ranking above 87% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 68% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
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 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
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