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2225 Montecito Rd, Ramona, CA 92065 Property Records

San Diego County property record for 2225 Montecito Rd, Ramona, CA 92065 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,720 sqft · built 1997
Lot Size2.35 acres (102,366 sqft)
Owner2 Individual Names on File
Last Sale$181,000 (Jan 1997)
Tax Bill$3,369 (2025)
Deeds & MortgagesFeb 2020 Mortgage
Aug 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN281-540-33-00

Property Details

APN / Parcel Number

Primary APN281-540-33-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,720 sqft Living Area

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Lot Area102,366 sqft
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address2225 MONTECITO RD
CityRAMONA
StateCA
Zip92065-1614
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPAR 1 TR PM12011
Legal SubdivisionPARCEL MAP NO 12011
Legal Tract12011
Legal Block2
JurisdictionSAN DIEGO CA
Township / Civil DivisionRAMONA
Census Block Group2
Census Block2004
Census Tract20805

Owner

Source: San Diego County records · APN 281-540-33-00

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 Record2 Individual Names on File
Mailing Address16230 WOODSON CREST RD, RAMONA, CA 92065-5651
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
OWNING CORPORATION
Aug 26, 2020Deed of Trust, Mortgage · Conventional Mortgage
COMMERCE HOME MORTGAGE LLC
Nov 06, 2020Deed of Trust, Mortgage · Conventional Mortgage
OWNING CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 03, 1997 · Amount on Record
Deed SaleJan 03, 1997 · Amount on Record
Prior SaleSep 13, 1996 · Amount on Record
Deed Document Number19971997
Last Transfer DateApr 15, 2004
Transfer Doc0000508296
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2225 MONTECITO RD, RAMONA, CA 92065-1614
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyORANGE COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000102907
DateFeb 28, 2020
Instrument2020-0102907
Lender
NameOWNING CORPORATION
TypeNon-Lending Institution
AddressORANGE, CA 92868
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2225 MONTECITO RD, RAMONA, CA 92065-1614
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2225 MONTECITO RD, RAMONA, CA 92065-1614

Mortgage

Document Number0000486589
DateAug 26, 2020
Instrument2020-0486589
Lender
NameCOMMERCE HOME MORTGAGE LLC
TypeMortgage Company
AddressIRVINE, CA 92606
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2225 MONTECITO RD, RAMONA, CA 92065-1614
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address2225 MONTECITO RD, RAMONA, CA 92065-1614

Mortgage

Document Number0000695099
DateNov 06, 2020
Instrument2020-0695099
Lender
NameOWNING CORPORATION
TypeNon-Lending Institution
AddressORANGE, CA 92868
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
Unified School DistrictRamona 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.

YearTax BillAssessed Value
2026$300,662 (+2%) Land $117,937 Building $182,725
2025$3,369.00 (+13.24%)$294,768 (+4.04%) Land $115,625 Building $179,143
2023$2,975.00 (-4.59%) Homeowner's exemption$283,324 Land $111,136 Building $172,188
2022$3,118.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730208052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims15 (1980–2023)
Claims Outside the SFHA3 of 15
Most Recent ClaimJan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims
  • Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Wildfire

Wildfire RiskHigh
above 85% of the US · above 64% of California
Wildfire LikelihoodAbout 1 in 118 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
San Diego BroadbandFixed Wireless (unlicensed)500 / 100

Availability varies by address; speeds are provider-advertised maximums, not measured.

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