23003 Arjo Ln, Ramona, CA 92065 Property Records

San Diego County property record for 23003 Arjo Ln, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1989
Lot Size	4.18 acres (182,516 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,060,000 (Jan 2026)
Tax Bill	$5,575 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`244-120-29-00`

Property Details

APN / Parcel Number

Primary APN	`244-120-29-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,872 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	182,516 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	23003 ARJO LN
City	RAMONA
State	CA
Zip	92065-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	PAR 1 TR PM12197
Legal Subdivision	PARCEL MAP NO 12197
Legal Tract	12197
Legal Block	1
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 28, 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 Record
Mailing Address	23003 ARJO LN, RAMONA, CA 92065-5502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 28, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 16, 2026	Grant Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Nov 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Oct 25, 2012
Deed Document Number	202614136
Prior Transfer Date	Dec 28, 1993
Prior Transfer Doc	0000000685
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23003 ARJO LN, RAMONA, CA 92065-5502
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23003 ARJO LN, RAMONA, CA 92065-5502

Mortgage

Document Number	0000286092
Date	Jul 13, 2022
Instrument	2022-0286092

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23003 ARJO LN, RAMONA, CA 92065-5502
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	NAVY FEDERAL TITLE AGENCY LLC, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23003 AJRO LN, RAMONA, CA 92065-5502

Mortgage

Document Number	0000749076
Date	Oct 28, 2021
Instrument	2021-0749076

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2026
Property Address	23003 ARJO LN, RAMONA, CA 92065-5502
Document Number	0000014136
Map Reference	DOC 82-195278
Instrument Date	Jan 8, 2026
Instrument	2026-0014136
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	23003 ARJO LN, RAMONA, CA 92065-5502

Mortgage

Document Number	0000014137
Date	Jan 16, 2026
Instrument	2026-0014137

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	23003 ARJO LN, RAMONA, CA 92065-5502
Document Number	0000501753
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 14, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23003 ARJO LN RAMONA CA 920655502, RAMONA, CA 92065-5502

Mortgage

Document Number	0000501753
Date	Dec 6, 2018
Instrument	501753

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2033

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		$513,141 (+2%) Land $196,013 Building $317,128
2025	$5,575.00 (+8.76%) Homeowner's exemption	$503,080 (+4.04%) Land $192,170 Building $310,910
2023	$5,126.00 (-2.84%) Homeowner's exemption	$483,546 Land $184,708 Building $298,838
2022	$5,276.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Extreme above 98.8% of the US · above 92% of California
Wildfire Likelihood	4% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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