226 Durgin St, Ramona, CA 92065 Property Records

San Diego County property record for 226 Durgin St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1974
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$756,000 (Oct 2026)
Tax Bill	$226 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-160-29-00`

Property Details

APN / Parcel Number

Primary APN	`282-160-29-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	226 DURGIN ST
City	RAMONA
State	CA
Zip	92065-3856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E POR TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
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	2037
Census Tract	20805

Owner

Source: San Diego County records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	514 AMERICAS WAY, BOX ELDER, SD 57719-7600
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
Oct 26, 2022	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on Record
Deed Sale	Oct 6, 2026 · Amount on Record
Prior Sale	Mar 9, 1994
Deed Document Number	2026290275
Prior Transfer Date	Jul 29, 2016
Prior Transfer Doc	0000406218
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 6, 2026
Property Address	226 DURGIN ST, RAMONA, CA 92065-3856
Document Number	0000290275
Instrument Date	Aug 26, 2026
Instrument	2026290275
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,991.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 AMERICAS WAY, BOX ELDER, SD 57719-7600

Mortgage

Document Number	0000290276,
Date	Oct 6, 2026
Instrument	2026290276

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	226 DURGIN ST, RAMONA, CA 92065-3856
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 DURGIN ST, RAMONA, CA 92065-3856

Mortgage

Document Number	0000411738
Date	Oct 26, 2022
Instrument	2022-0411738

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$177,596 (+2%) Land $62,149 Building $115,447
2025	$226.00 (-86.9%)	$174,115 (+4.04%) Land $60,931 Building $113,184
2023	$1,725.00 (-8.59%) Homeowner's exemption	$167,356 Land $58,566 Building $108,790
2022	$1,887.00

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 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

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	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.7% 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.

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 166 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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